Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus and Standard: how rating works, what each label represents, and what factors shift you among them.
Carriers set term premiums based on rate class. The terminology shifts slightly among companies, though the structure stays the same: Preferred Plus (sometimes called Super Preferred or Preferred Best), Preferred, Standard Plus and Standard, with extra table ratings for higher risk. Tobacco users fit into an equivalent set of classes at bigger costs.
What underwriters look at
Weight and height, blood pressure and cholesterol levels, family history of early heart disease or cancer, motor vehicle records, pharmacy history, line of work and pastimes, and use of tobacco or nicotine. The highest class needs positive results nearly everywhere; Preferred permits one or two items slightly out; Standard Plus and Standard accommodate managed conditions like controlled blood pressure.
How to use the quote tool
The health section asks you to provide an honest self-assessment: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus and Average to Standard. Quotes show that class; the actual class is confirmed after the carrier reviews your information. When in doubt, request quotes for two different classes and examine them side by side; the application will set the final class. Estimating a better class than reality doesn't lower your final bill; it just makes your estimate less dependable.
Susman Insurance Agency has the tools to match you with carriers that look favorably on your specific situation, which often outweighs the starting rate.