Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus, and Standard ratings: the meaning of each tier and what factors move you between them.
Insurance companies structure term life rates using rate classifications. While terminology varies by insurer, the classification approach remains standard.
What underwriters look at
Weight relative to height, blood pressure and cholesterol measurements, any family record of cardiac or malignant conditions, and current prescriptions.
How to use the quote tool
The health prompt requests an accurate self-assessment: Excellent maps to Preferred Plus classification, Good to Preferred, Average to Standard Plus, and Fair to Standard.
Susman Insurance Agency helps identify carriers that are more favorable to your individual health profile.