Guide
Health classes explained
Understanding the four main rating categories and how applicants fall into each.
Insurance companies organize term pricing around rate class. Though terminology shifts between carriers, the structure stays constant: Preferred Plus (sometimes Super Preferred or Preferred Best), Preferred, Standard Plus, and Standard, plus additional tiers for elevated risk. A separate classification ladder applies to tobacco users with higher premiums.
What underwriters look at
Carriers evaluate body composition, blood work values, hereditary illness patterns (especially early heart or cancer), MVR findings, medication record, work and recreational pursuits, and nicotine exposure. Top ratings require excellent outcomes on essentially everything; Preferred permits minor variations; Standard Plus and Standard accommodate well-managed issues like controlled blood pressure.
How to use the quote tool
When answering the health question, respond truthfully about your condition: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus, and Average to Standard. Our quotes use your selection; the carrier validates the actual class through underwriting. Unsure of your classification? Quote both and view the difference, then allow underwriting to determine the real category. Overstating your health doesn't reduce your final premium; it only skews the estimate.
Finding the carrier whose underwriting philosophy best fits your medical profile often yields better results than the lowest advertised price. Susman Insurance Agency specializes in this analysis.