Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus, and Standard are the four tiers of rate classification. Learn what distinguishes each level and what factors can move a person up or down the scale.
Every carrier sets prices according to rate classification. Terminology varies slightly between companies, but the framework is consistent: Preferred Plus (sometimes called Preferred Elite or Super Preferred), then Preferred, then Standard Plus and Standard, with additional adjustments for greater risk. A separate scale applies to tobacco consumers, with premium increases on every tier.
What underwriters look at
Physical measurements (BMI), blood pressure and cholesterol readings, family history of early heart disease or cancer, driving background, medication history, occupation and recreational pursuits, and whether you use tobacco or nicotine products. Reaching the top classification requires favorable results across virtually all factors; the next level down permits a few issues to be addressed or managed; the lower classifications allow for regulated medical conditions, such as blood pressure kept in check by medication.
How to use the quote tool
The health self-assessment works this way: Excellent aligns with Preferred Plus rates, Very good with Preferred rates, Good with Standard Plus rates, and Average with Standard rates. Your quote reflects that classification level; the final tier gets confirmed after underwriting. Uncertain about your rating? Request quotes for two classifications, then let underwriting verify. Overstating your health doesn't reduce the premium that ultimately gets charged—it just produces an inaccurate initial estimate.
Susman Insurance Agency can direct you to carriers with more accommodating criteria for particular health situations. In many cases, finding the right carrier makes a bigger difference in your final rate than the starting quote.