Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus, Standard: what these labels mean for your rate and which carriers use which.
Carriers price term by rate class. Names differ slightly between them, but the tiers are similar.
What underwriters look at
Build (height and weight ratio), blood pressure and cholesterol readings, family history of early illness, and current medications all influence class.
How to use the quote tool
The health question asks you to describe yourself honestly: Excellent means no known health issues; Good means well-managed minor items; Fair reflects more significant conditions.
Susman Insurance Agency can help you compare carriers whose underwriting guidelines are typically friendly to your profile.