Guide
Health classes explained
Learn about the four primary rating tiers—Preferred Plus, Preferred, Standard Plus, and Standard—what each classification represents, and the factors affecting your placement.
Insurance companies organize term pricing using rating classes. While terminology differs between carriers, the structure stays consistent: Preferred Plus (sometimes labeled Super Preferred), Preferred, Standard Plus, and Standard, with additional table ratings above standard. Tobacco applicants occupy their own rating structure with elevated costs.
What underwriters look at
Body measurements, vital signs and lipid levels, family medical background (especially heart disease or cancer before age 60), driving history, medication records, job type and activities, and any nicotine or tobacco use. Top-tier ratings demand favorable results in nearly every area; Preferred is slightly flexible; Standard Plus and Standard accommodate managed ailments like controlled blood pressure.
How to use the quote tool
When asked about your health status, respond truthfully: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus, and Average to Standard. Your quotes will match that category; the carrier's underwriting team determines your actual classification later. Uncertain? Quote both classes and evaluate the difference before applying. An inflated health rating won't reduce your ultimate premium—it simply makes the estimate unreliable.
Susman Insurance Agency can assist in identifying carriers with more favorable criteria for particular health situations, an element that frequently outweighs the advertised premium.