Guide
Health classes explained
Understanding the Preferred Plus, Preferred, Standard Plus, and Standard categories, and what determines which one applies to you.
Insurers rank applicants by rate class for pricing purposes. Classification systems vary slightly among carriers but follow a consistent progression: Preferred Plus (sometimes termed Super Preferred or Premier), Preferred, Standard Plus, then Standard, with additional tier adjustments for elevated risks. Tobacco users occupy a separate classification structure at higher premiums.
What underwriters look at
Body composition (height and weight relationship), blood pressure and lipid levels, family medical background (heart disease or cancer before age 60), driving record, current medications and prescriptions, job and recreation activities, and nicotine or tobacco use. The top rate classes demand strong results across virtually every category; Preferred class permits some variance; Standard Plus and Standard allow documented medical conditions like blood pressure managed with medication.
How to use the quote tool
The health question on the quote tool asks for your honest assessment: Excellent corresponds to Preferred Plus, Very good to Preferred, Good to Standard Plus, and Average to Standard. Your quote is based on the class you select; the carrier will verify the final class after reviewing your complete application. If you are uncertain, obtain quotes in two different categories and compare the results; the application will determine your actual classification. Overstating your health does not lower the final cost; it only makes your estimate inaccurate.
Susman Insurance Agency specializes in comparing carriers with different underwriting philosophies—some more favorable to specific health conditions than others. For many applicants, the carrier's approach to your situation matters more than advertised rates.