How much does health status affect life insurance costs in Nevada?

Health status is the single most variable premium factor in individual life insurance underwriting—more variable even than age at some coverage levels. The difference between Preferred Plus and Substandard rates for the same age and coverage can be 200–400% or more.

Illustrative premium comparison for a 45-year-old Nevada man purchasing $500,000 of 20-year term: Preferred Plus (excellent health): approximately $60–$80/month. Preferred (very good health): approximately $75–$100/month. Standard Plus (above-average health): approximately $100–$130/month. Standard (average health): approximately $130–$170/month. Table B (mild health impairment): approximately $195–$255/month. Table D (moderate health impairment): approximately $260–$340/month.

Actual premiums vary by carrier and individual underwriting. These illustrative figures show the financial benefit of qualifying for better health classes.

For applicants with health conditions, the variation between carriers is also significant. A carrier that tables a controlled diabetic at Table C might be matched by another carrier offering Standard rates for the same applicant. This underwriting variability is why working with an agent who represents multiple A-rated (A.M. Best) carriers is valuable—they can identify which carrier's guidelines favor your specific health profile without requiring multiple applications that generate MIB inquiries.