Guide
Health classes explained
Rate tiers explained: Preferred Plus, Preferred, Standard Plus, and Standard—and what shifts your placement.
Insurers rank term applicants by rate class. Labels shift slightly, but the order holds firm: Preferred Plus (sometimes Super Preferred or Preferred Best), Preferred, Standard Plus, Standard, then tables for elevated risk. Smokers occupy their own tier structure at higher costs.
What underwriters look at
Height, weight, BP, cholesterol, family heart or cancer before age 60, driving history, medication list, work and pastimes, tobacco or nicotine. Top tiers require clean marks nearly everywhere; Preferred gives some slack; Standard Plus and Standard permit managed conditions like medicated hypertension.
How to use the quote tool
Tell the truth about your health: Excellent aligns with Preferred Plus, Very good with Preferred, Good with Standard Plus, Average with Standard. Rates match your stated class; the carrier sets the final class post-underwriting. Unsure? Quote both and compare; the app decides. Picking a rosier class won't budge your premium—just your estimate accuracy.
Susman Insurance Agency matches you with carriers whose rules suit your health profile—often more important than the advertised price.