Guide
Health classes explained
Labels like Preferred Plus, Preferred, Standard Plus and Standard represent health classifications. Meaning and availability vary by carrier.
Term policies are priced by rate class. Classes indicate health and risk level. Names vary across carriers.
What underwriters look at
Physical metrics (height, weight, cholesterol, blood pressure), family health patterns, personal medical history and lifestyle factors.
How to use the quote tool
The health question asks for honesty: Excellent indicates no chronic issues; Good means minor conditions under control; Fair indicates one significant condition; Poor means serious health concerns.
Susman Insurance Agency helps navigate carriers that have streamlined standards and understand your health profile.