Guide
Health classes explained
The rating bands — Preferred Plus, Preferred, Standard Plus, Standard — and what they indicate about health and the factors that determine placement.
Insurers organize term pricing into rate classes. Labels shift between companies, yet the structure remains consistent: Preferred Plus (sometimes called Super Preferred or Elite Preferred), Preferred, Standard Plus, Standard, then higher brackets for additional risk. Those using tobacco occupy their own tier hierarchy at steeper prices.
What underwriters look at
Physical measurements and metrics (height, weight, blood pressure, cholesterol), family medical history in first-degree relatives before age 60, driving history, medication list, job and interests, and smoking or nicotine. The best tiers demand clean readings across almost all dimensions; the next tier allows for some slack; the lower tiers accept managed problems like blood pressure that's controlled with medication.
How to use the quote tool
The health section asks for self-honesty: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus, and Average to Standard. Quotes align with your selection; underwriting may later confirm or modify it. Unsure? Get quotes at two levels and compare, then allow the underwriting process to determine the actual tier. Overstating your health won't reduce the final cost; it only throws off the estimate.
Different carriers have different comfort levels with specific conditions. Susman Insurance Agency helps you find carriers whose criteria align with your situation — which often counts more than the advertised rate.