Guide
Health classes explained
How the four rate classes work, what distinguishes each from the others, and what factors move applicants between levels.
Carriers organize term life pricing by rate class. While terminology varies across companies, the structure stays fairly consistent: Preferred Plus (sometimes Super Preferred or Preferred Best), Preferred, Standard Plus and Standard, then table ratings for applicants with higher-than-standard risk. Tobacco users are grouped in a separate set of classes at higher rates.
What underwriters look at
Physical metrics (height, weight), blood pressure and cholesterol levels, family health history (heart disease or cancer before age 60), driving violations, medication history, job type and recreational activities, plus tobacco or nicotine use. Achieving Preferred Plus requires clean results across nearly every factor; Preferred allows some flexibility; Standard Plus and Standard permit managed conditions like controlled high blood pressure.
How to use the quote tool
On the health question you're asked to self-describe accurately: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus and Average to Standard. Your quote will reflect this class; the carrier confirms the actual class through underwriting. If you're uncertain between classes, quote both and compare, letting the application determine your final rating. Picking a more favorable class doesn't reduce your final rate; it only makes the estimate less precise.
Susman Insurance Agency is equipped to help you locate carriers with more lenient guidelines for your particular health situation—and that often counts more than the advertised rate.