Guide
Health classes explained
Understanding rate classes—what Preferred Plus, Preferred, Standard Plus and Standard mean, and what determines which class you're placed in.
Insurers structure term life using rate classification. While terminology differs among companies, the framework is consistent: Preferred Plus (sometimes branded as Super Preferred or Preferred Best), Preferred, Standard Plus, and Standard, with additional table ratings for elevated risk. A separate tier structure at higher costs applies to users of tobacco.
What underwriters look at
Factors that matter include: build measurements (height and weight), blood lipids and cardiovascular metrics, family health patterns (specifically cancer or heart disease occurring before age 60), your record as a driver, medications you take, your work and activities, and nicotine consumption. Achieving the top rating requires favorable results across virtually all categories; Preferred status allows some leeway; Standard Plus and Standard accommodate controlled conditions like medicated high blood pressure.
How to use the quote tool
When asked to characterize your health, be truthful: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus, and Average to Standard. Your quotes will display the class you specify; however, the final classification is determined after the carrier completes its review. If uncertain, obtain quotes under two different classes and compare, letting the official underwriting process settle the matter. Inflating your health status won't get you a lower final rate—it only makes your quote less reliable.
Susman Insurance Agency has tools to identify carriers that evaluate your particular health situation more favorably, and this frequently outweighs the significance of published pricing.