Guide
Health classes explained
Comprehending the labels: Preferred Plus, Preferred, Standard Plus, Standard—what they indicate and the circumstances that move you up or down.
Pricing for term policies follows a classification system. Though language differs slightly among carriers, the hierarchy stays constant: Preferred Plus (sometimes labeled Super Preferred or Preferred Best), Preferred, Standard Plus and Standard, plus extra charges for elevated risk. Tobacco consumers access an alternate tier at higher premiums.
What underwriters look at
Components reviewed include weight and height, cholesterol numbers and blood pressure, heart disease and cancer prevalence within your family before 60, driving violations, medications used, line of work and recreational pursuits, and any use of tobacco or nicotine products. Preferred Plus demands excellent across most dimensions; Preferred allows some leeway; Standard Plus and Standard accommodate regulated disorders like medicated high blood pressure.
How to use the quote tool
Be truthful when answering the health self-assessment: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus, and Average to Standard. Quotes align with this category; post-underwriting, the carrier validates the actual classification. When uncertain, request quotes for multiple classifications and weigh them; the application will determine the correct level. Inflating your health status doesn't reduce your final premium; it just makes the estimate inaccurate.
Carriers differ in how strictly they assess specific diagnoses. Susman Insurance Agency assists you in finding carriers whose requirements are best suited to your profile, which typically matters more than just comparing advertised rates.