Guide
Health classes explained
Understanding Preferred Plus, Preferred, Standard Plus and Standard: how the rankings differ and what can move you up or down.
Carriers determine term rates by assigning each applicant a rate class. The specific names differ between companies, but the scale stays the same: Preferred Plus (sometimes labeled Super Preferred or Best Preferred), Preferred, Standard Plus and Standard, then extra costs for those outside standard risk. Tobacco users occupy a separate—and pricier—tier structure.
What underwriters look at
Height-to-weight ratio, blood pressure numbers, cholesterol, whether close relatives had heart disease or cancer before age 60, driving history, what medications you take, what you do for work and hobbies, and tobacco or nicotine consumption. The highest tier demands excellent results across virtually everything; Preferred is less strict; Standard Plus and Standard allow chronic issues that are being treated, like controlled high blood pressure.
How to use the quote tool
When you give your health rating, be truthful: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus and Fair to Standard. The results match that classification; the company confirms the real one after reviewing your history. Uncertain? Quote both classes and contrast them, then let underwriting determine your actual tier. Overstating your health doesn't lower the premium you end up paying; it just makes your quote less realistic.
Susman Insurance Agency can identify carriers that are more lenient with your particular health history, which frequently carries more weight than the published price.