Guide
Health classes explained
What each rate-class name means, how they rank from best to least favorable, and which health factors place you in each.
Term life pricing follows rate classes—companies use slightly different labels, but the healthiest applicants get the lowest rates and every class represents a different premium level.
What underwriters look at
Body measurements and weight, blood pressure and lipid levels, whether serious heart disease or cancer runs in your family, and tobacco or significant alcohol use.
How to use the quote tool
On the health question, choose the label that fits your honest assessment: Excellent corresponds to Preferred Plus rates, Good to Preferred, Fair to Standard Plus, and Poor to Standard.
Susman Insurance Agency helps match your health profile with carriers that evaluate it favorably for your situation.