Guide
Health classes explained
The labels—Preferred Plus, Preferred, Standard Plus, Standard—describe your risk classification. Slight variations appear between carriers, but they align on the general tiers.
Insurance companies assign you to a rate class based on health. Each company names them slightly differently, but all follow the same idea.
What underwriters look at
Body metrics (height-weight ratio), blood pressure levels, cholesterol numbers, and family medical history (heart disease, cancer) are the main drivers.
How to use the quote tool
On the health question, be straightforward: Excellent typically places you in Preferred Plus, Good in Preferred, and so on.
Susman Insurance Agency knows which carriers have more flexible guidelines for specific health situations and can steer you toward better rates.