What health ratings are used in life insurance underwriting?

Insurance carriers use a tiered classification system to price risk based on health. While terminology varies by carrier, the standard classes from most favorable to least favorable are typically: Preferred Plus (or Super Preferred), Preferred, Standard Plus, and Standard—all at non-tobacco rates. Tobacco versions of these classes exist for users at significantly higher premiums.

Preferred Plus requires excellent health metrics: ideal height-weight ratio, optimal blood pressure and cholesterol, clean family history, no tobacco use, and an excellent driving record. A very small percentage of applicants qualify for this top tier.

Preferred allows for slightly higher health metrics and minor family history concerns. Standard Plus and Standard include a wider range of health profiles with minor controlled conditions or slightly elevated risk factors.

Below standard are table ratings (Table 1–8 or 1–10 depending on carrier), each adding approximately 25% to the standard premium per table. Table ratings accommodate significant health conditions that don't warrant outright denial. Substandard applicants who can't qualify at any table are declined.

An agent experienced in impaired-risk underwriting can estimate your likely rate class before you apply, targeting carriers where your specific profile receives the most favorable treatment.