Guide
Health classes explained
Understanding the four rating tiers—Preferred Plus, Preferred, Standard Plus and Standard—and what factors move you from one to another.
Insurers sort applicants into rating categories. Names differ slightly from company to company, but the structure is the same: Preferred Plus (sometimes Super Preferred or Elite), Preferred, Standard Plus and Standard, plus surcharges for greater risk. Those who use tobacco are ranked on a separate, pricier scale.
What underwriters look at
Height and weight, blood sugar and cholesterol numbers, heart disease or cancer in the family (before age 60), driving history, prescription drugs you're taking, what you do for work and how you spend time off, and smoking or vaping. To reach the top class, your profile must be good across nearly everything; Preferred lets some things slide; Standard Plus and Standard allow managed conditions like blood pressure treated with medicine.
How to use the quote tool
When asked about your health, be truthful: Excellent maps to Preferred Plus, Very good to Preferred, Good to Standard Plus and Average to Standard. Quotes will reflect your selected class; the actual class gets confirmed when the company underwrites. Unsure between two? Quote both, compare, and let the underwriter determine the right one. Overstating your health won't lower your final cost—it just makes the quote less accurate.
We can help you find carriers that look favorably on your particular circumstances, and that advantage often beats out a cheaper advertised rate.