Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus and Standard: what each label means and what changes your assigned class.
Insurance carriers rank term life by rate class. Names change between companies, but the sequence is standard: Preferred Plus (sometimes Super Preferred or Preferred Best), Preferred, Standard Plus and Standard, followed by rated categories for above-standard danger. Tobacco users occupy a parallel ranking at higher costs.
What underwriters look at
Body composition (height relative to weight), blood pressure and cholesterol levels, any family record of early heart or cancer, driving conduct, medicine history, work and hobbies, and tobacco or nicotine consumption. Earning the best class demands strong outcomes across almost everything; Preferred allows more flexibility; Standard Plus and Standard accept managed illnesses such as controlled blood pressure.
How to use the quote tool
The health part asks you to self-report truthfully: Excellent becomes Preferred Plus, Very good turns into Preferred, Good maps to Standard Plus and Average maps to Standard. Quotes show that class; underwriting confirms the actual class afterward. In doubt? Quote both classes and examine the difference, then apply and let underwriting decide. Picking a hopeful class does not change your final rate; it just makes the estimate wrong.
Susman Insurance Agency can help locate carriers with more lenient rules for a particular condition, which frequently makes a bigger difference than the advertised rate.