Guide
Health classes explained
Super Preferred, Preferred, Standard Plus and Standard: what those terms mean and what might shift your placement.
Different carriers assign rate classes to structure their term pricing. Labels differ slightly between companies, but the structure stays similar: Preferred Plus (sometimes Preferred Elite or Super Preferred), Preferred, Standard Plus and Standard, then custom ratings for high-risk situations. People who smoke or use tobacco typically get a separate set of classes with premium increases.
What underwriters look at
Build (height relative to weight), blood-pressure readings and lipid numbers, whether your immediate family had major heart disease or cancer before turning 60, your driver's record, what medications you take, what you do for work and play, and any tobacco or nicotine consumption. The best-available class demands solid results across pretty much everything; Preferred lets a bit more; Standard Plus and Standard accommodate regulated conditions like managed hypertension.
How to use the quote tool
The health question expects your honest assessment: Excellent lines up with Preferred Plus, Very good with Preferred, Good with Standard Plus and Average with Standard. Your quotes will mirror that tier; the underwriting team sets the actual tier after examination. Uncertain which describes you? Quote both levels and side-by-side; let the underwriting settle it. Picking a better-than-true rating won't lower your final cost—it only throws off the quote's accuracy.
Susman Insurance Agency is familiar with insurers' underwriting rules and can steer you toward carriers with friendlier policies for your specific health situation, which sometimes makes a bigger impact than the headline cost.