Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus, Standard: what each name represents and how carriers use these to set prices.
Life insurance companies set rates using health classifications. While the words differ between companies, they all use health markers to sort applicants.
What underwriters look at
Weight relative to height, blood-pressure reading and cholesterol level, any conditions that run in your family, and whether you smoke—these all factor in.
How to use the quote tool
The health question wants an honest self-report: Excellent for top condition, Good for mostly healthy, Fair for manageable conditions, Poor for serious issues.
The team at Susman Insurance Agency knows which carriers have friendly underwriting for different situations and can help you find the right match.