Rate classes explained
The short answer
Carriers sort applicants into classes like Preferred Plus, Preferred, Standard Plus, and Standard. One class up can save 20 percent or more.
What decides your class
Build, blood pressure, cholesterol, family history, driving record, and tobacco use.
Why carriers differ
Each carrier has its own rules. Someone who is Standard at one carrier can be Preferred at another. That is why we shop several.
General information, not insurance, tax, or legal advice. Coverage subject to underwriting approval.