Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus and Standard: how the ranks work and what can move you from one to another.
Carriers set the price of term life using rate classes. The exact names shift between companies, but the order stays the same: Preferred Plus (sometimes Super Preferred or Preferred Best), Preferred, Standard Plus and Standard, then table ratings for higher risk. Tobacco users have a separate set of classes at higher costs.
What underwriters look at
Build (weight and height), blood pressure, cholesterol levels, family health history (especially heart disease or cancer before age 60), traffic record, what medications you take, your line of work or hobbies, and whether you use tobacco or nicotine. The top classes need good results across almost everything; Preferred has a little more room; Standard Plus and Standard allow for controlled problems like blood pressure that's being treated.
How to use the quote tool
The health question asks you to tell us truthfully: Excellent points toward Preferred Plus, Very good toward Preferred, Good toward Standard Plus and Average toward Standard. Your quote shows that class; the carrier sets the final class after they underwrite. If you're not sure, quote both classes to compare, then let the application determine it. Being overly hopeful about your class won't lower your final premium—it just makes your estimate less reliable.
Susman Insurance Agency can help you find carriers that look more favorably on your specific situation, which often makes more difference to the price than the headline rate.