Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus and Standard: understanding these labels and what determines your assignment.
Life insurers group term applicants into rate classes. While brand names vary, the structure stays the same: Preferred Plus, Preferred, Standard Plus and Standard. Tobacco users have a parallel set of classes at higher rates.
What underwriters look at
Body composition, blood pressure readings, cholesterol results, parental history of cardiac or malignant diseases before age 60, traffic violation record, medication use history, job classification and recreation activities, and smoking or nicotine product use.
How to use the quote tool
The health question requests you to characterize your own health genuinely: Excellent correlates with Preferred Plus, Very good with Preferred, Good with Standard Plus and Average with Standard.
Susman Insurance Agency can direct you to carriers with more favorable underwriting standards for your particular condition, a factor that often matters as much as the basic premium.