Guide
Health classes explained
What Preferred Plus, Preferred, Standard Plus, and Standard denote and the factors that determine your assignment.
Term pricing follows rate classes with modest label variance: Preferred Plus (Super Preferred, Preferred Best), Preferred, Standard Plus, Standard, then table ratings for above-standard risk. Tobacco users occupy parallel tiers at higher prices.
What underwriters look at
Physical metrics (height/weight), blood pressure, cholesterol, family cancer/heart disease before 60, driving history, medications, work and leisure, and nicotine use. Preferred Plus demands near-perfect scores across categories; Preferred permits minor issues; Standard Plus and Standard accept managed conditions like controlled high blood pressure.
How to use the quote tool
The health prompt seeks honest self-assessment: Excellent aligns with Preferred Plus, Very good with Preferred, Good with Standard Plus, Average with Standard. Quotes use your selected class; underwriting finalizes it. Torn between two? Quote both and compare—optimism won't reduce your final rate, only your accuracy.
Susman Insurance Agency assists in identifying carriers with accommodating underwriting for your particular situation—frequently more valuable than chasing the lowest quote.