Guide
Health classes explained
Understanding Preferred Plus, Preferred, Standard Plus, and Standard: what each classification signifies and the factors that determine where you fall.
Life insurance carriers establish pricing using rate classifications. While companies use slightly different labels, the hierarchy remains uniform: Preferred Plus (sometimes labeled Super Preferred or Preferred Best), Preferred, Standard Plus, and Standard, with additional table ratings for applicants above standard risk. Tobacco users occupy a separate classification tier with proportionally higher premiums.
What underwriters look at
Body mass index (height and weight), blood pressure and cholesterol readings, family history of early cardiac or cancer events, motor vehicle record, medication use, job type and recreational pursuits, and any tobacco or nicotine products. Top ratings require favorable findings across most categories; Preferred permits some minor variations; Standard Plus and Standard accommodate managed conditions like controlled high blood pressure.
How to use the quote tool
The health question calls for an honest self-assessment: Excellent aligns with Preferred Plus, Very good corresponds to Preferred, Good suggests Standard Plus, and Average indicates Standard. Quotations are based on the class you select; the carrier establishes your definitive class following underwriting. When uncertain, request quotes at two different health levels to evaluate the difference; the formal application will determine your final classification. Selecting a more favorable rating does not reduce your actual premium; it only produces an inaccurate estimate.
Susman Insurance Agency can assist you in identifying carriers with more favorable underwriting guidelines for your particular health situation, a factor that frequently outweighs the published rate alone.