Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus and Standard—what these rate categories represent and how you move between them.
Carriers use rate class to price term life insurance. Names differ slightly from one carrier to the next, but categories stay consistent: top tier is Preferred Plus, then Preferred, then Standard Plus, then Standard.
What underwriters look at
Weight and height compared to standard tables, blood pressure and cholesterol values, family medical history for cardiovascular or cancer diagnoses, and current medications.
How to use the quote tool
The health question asks for honest self-assessment: Excellent earns Preferred Plus, Very Good earns Preferred, Good earns Standard Plus, Fair earns Standard. Carriers verify answers during underwriting.
Susman Insurance Agency has connections with carriers that have more favorable underwriting standards for particular health situations or profiles. Contact us if you want to discuss.