Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus, and Standard: the meanings and what determines which one applies.
Insurance carriers set premiums using rate classes. Labels differ by company, but the structure holds: Preferred Plus (sometimes Super Preferred or Preferred Best), Preferred, Standard Plus, Standard, and then table ratings for higher risk. Tobacco users get a separate class ladder at higher cost.
What underwriters look at
Height and weight, blood pressure and cholesterol, family history of early heart disease or cancer, driving and prescription history, work and hobbies, and tobacco or nicotine use. The top class requires clean results across the board; Preferred allows somewhat more; Standard Plus and Standard accept managed conditions like treated high blood pressure.
How to use the quote tool
Describe your health accurately when asked: Excellent translates to Preferred Plus, Very good to Preferred, Good to Standard Plus, and Average to Standard. Quotes use that class; the carrier sets your final class after underwriting. Unsure? Get quotes for two classes and compare, then let the underwriting decide. Overstating health does not lower premiums; it just makes your quote less realistic.
Susman Insurance Agency helps you find carriers with guidelines suited to your health profile, which often matters more than the posted rate.