Guide
Health classes explained
Understanding the difference between Preferred Plus, Preferred, Standard Plus and Standard classes, what each category means, and how your health and history determine which you qualify for.
Term premiums are classified by carriers using a rate class system. Though terminology differs between carriers, the general framework remains similar: Preferred Plus (sometimes called Super Preferred or Preferred Best), Preferred, Standard Plus and Standard, with extra table ratings for above-standard-risk scenarios. Those using tobacco products fall into a separate class structure at higher premiums.
What underwriters look at
Carriers assess body composition (height-to-weight ratio), heart rate and blood lipid levels, family history of cardiac or malignant disease prior to age 60, traffic violations and moving violations, medication records, job hazards and recreational pursuits, and any use of tobacco or nicotine products. Achieving the best possible class requires favorable findings in virtually all areas; the Preferred class permits some variance; Standard Plus and Standard categories accommodate managed conditions, such as well-controlled blood pressure.
How to use the quote tool
Our health question prompts you to rate yourself accurately: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus and Average to Standard. Your rate estimate assumes this classification; the carrier verifies your final classification following underwriting. Should you be uncertain of your classification, request quotes at multiple levels and assess the difference, allowing the carrier to make the ultimate determination. Overstating your health won't lower your rate; it simply creates inaccuracy in your estimate.
Our team at Susman Insurance Agency can guide you toward carriers whose underwriting rules are more forgiving for your particular health profile, which frequently proves more valuable than any single headline rate.