Lincoln
Preferred
Underwriting
Guidelines (Standard Risk with no Extra Mortality)
CRITERIA
Tobacco Use
Personal History
PREFERRED PLUS NON-TOBACCO
PREFERRED NON-TOBACCO
No tobacco/nicotine products in 36 months.
Occasional cigar use of up to 12 cigars a year with a
urine specimen negative for nicotine.
No personal history of cardiovascular disease,
diabetes and/or cancer (excluding benign skin
cancer).
No tobacco/nicotine products in 24 months.
Occasional cigar use of up to 24 cigars a year with a urine
specimen negative for nicotine.
No personal history of cardiovascular disease, diabetes
and/or cancer excluding benign skin cancers and other
cancers to include: certain thyroid, uterine, cervical,
prostate and testicular cancers
Ages 70 and up – see additional criteria for diabetes
(next page)
Drug & Alcohol History
No history of alcohol or drug abuse within the past
10 years.
No history of alcohol or drug abuse within the past 7 years
Family History
Up to age 69
No deaths of parent or sibling prior to age
65 due to cardiovascular disease
Age 70 and up
Disregard family history of cardiovascular
disease
Driving History
No more than 3 non-ratable moving violations in
the past 3 years. No DUI or license suspension in
past 5 years.
Up to age 69
No deaths of parent or sibling prior to age 60
due to cardiovascular disease
Age 70 and up
Disregard family history of cardiovascular
disease
All Ages
If both parents live to age 80, overlook BMI or
cholesterol/HDL ratio as long as findings are not
ratable.
No more than 3 non-ratable moving violations in the past
3 years. No DUI or license suspension in past 5 years.
Labs
Blood Tests other than lipids – within normal limits
Blood Tests other than lipids – within normal limits
Cholesterol
Minimum untreated cholesterol: 125
Maximum cholesterol: 300
Up to age 69 treated and untreated readings
Cholesterol/HDL ratio ≤ 5.0
Age 70 and up treated and untreated readings
Cholesterol/HDL ratio ≤ 5.5
Blood Pressure
Up to age 69
Treated and untreated hypertension with
a 12 month average of 130/80 or lower
Age 70 and up
Treated and untreated hypertension with
a 12 month average of 140/90 or lower
No private aviation or ratable avocations or
occupations.
Minimum untreated cholesterol: 125
Maximum cholesterol: 300
Up to age 69 treated and untreated readings
Cholesterol/HDL ratio ≤ to 6.0
Age 70 and up treated and untreated readings
Cholesterol HDL/ratio ≤ to 7.0
Up to age 69
Treated and untreated hypertension with a 12
month average of 140/90 or lower
Age 70 and up
Treated and untreated hypertension with a 12
month average of 155/90 or lower
No ratable avocations or occupations. For private
aviation, if pilot has IFR or has 1,000 hours of flying time,
flies between 25 and 250 hours per year, is under age 70,
has clean MVR and flies in US and Canada.
Aviation and Avocations
Build
Up to age 69
Up to age 69
•
BMI of 29 or less
•
BMI ≥ 18
Age 70 and up
•
BMI of 30 or less
•
BMI ≥ 19
•
BMI of 31 or less
•
BMI ≥ 18
Age 70 and up
•
BMI of 32 or less
•
BMI ≥ 19
Additional Criteria for Preferred Non-Tobacco only
Personal History of Diabetes
Age 70 and up
•
Type 2, duration 3 years or less
•
No history of retinopathy or neuropathy
•
Oral medications or diet controlled
•
Blood pressure well controlled
•
Hemoglobin A1c average over past 12 months
of 6.0 or lower
•
Favorable cardiac workup (for example, negative
treadmill, ebct, catherization within 2 years)
•
Current urinalysis negative and no history of
proteinuria
•
Good lipids (meets preferred lipids criteria)
Five Underwriting Classes
Note: Classes may vary by product and age. Check product specifications for available classes.
Preferred Plus NonTobacco
Preferred Plus is Lincoln’s best risk classification and includes those applicants who have not used tobacco or
nicotine in any form in the past 36 months except for the occasional cigar, provided the urine specimen is
negative for nicotine and meet all of the Preferred Plus criteria.
Preferred Non-Tobacco
This class is for clients who enjoy exceptional health and have not used tobacco or nicotine in any form in
the past 24 months, except for the occasional cigar user, provided the urine specimen is negative for
nicotine and meet all the Preferred criteria.
Standard Non-Tobacco
This class represents those insureds who have an average life expectancy, and do not meet Preferred
criteria. This class includes cigar, pipe, or chewing tobacco users who may test positive for nicotine but
excludes cigarette smokers.
Preferred Tobacco
This class is similar to the Preferred Non-Tobacco class where the insured meets all the Preferred criteria,
but the insured has smoked cigarettes within the past 12 months.
Standard Tobacco
This class is similar to the Standard Non-Tobacco class, but the insured has smoked cigarettes within the past
12 months.
For Heights and Weights
not listed on the chart,
go to the following
website:
www.bmi-calculator.net
Lincoln Financial Group is the
marketing name for Lincoln National
Corporation and its affiliates.
Updated 8/2015
LCN:1262191-073015
H
E
I
G
H
T
4’10”
4’11”
5’0”
5’1”
5’2”
5’3”
5’4”
5’5”
5’6”
5’7”
5’8”
5’9”
5’10”
5’11”
6’0”
6’1”
6’2”
6’3”
6’4”
Minimum/Maximum Weight in lbs and BMI
Male/Female Ages up to 69
Preferred Plus BMI
Preferred BMI
Min 18
Max 29
Min 18
Max 31
88
91
94
98
101
104
108
111
114
118
122
125
129
133
136
140
144
148
152
138
143
148
153
158
163
169
174
179
185
190
196
202
208
213
219
225
232
238
88
91
94
98
101
104
108
111
114
118
122
125
129
133
136
140
144
148
152
148
153
158
164
169
175
180
186
192
198
203
209
216
222
228
235
241
248
254
For Agent – Broker Use. Not for Use with General Public
Male/Female Ages 70 and up
Preferred Plus BMI
Preferred BMI
Min 19
Max 30
Min 19
Max 32
91
94
97
100
104
107
110
114
118
121
125
128
132
136
140
144
148
152
156
143
148
153
158
164
169
174
180
186
191
197
203
209
215
221
227
233
240
246
91
94
97
100
104
107
110
114
118
121
125
128
132
136
140
144
148
152
156
153
158
163
169
175
180
186
192
198
204
210
216
222
229
235
242
249
256
263
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