Guide
Health classes explained
Preferred Plus, Preferred, Standard Plus, Standard: what each tier means and how it changes what you'll pay per month.
Insurance companies sort applicants by rate class based on health and risk. The names aren't standardized, but the concept is consistent across carriers.
What underwriters look at
Height and weight, blood pressure and cholesterol numbers, who in your family has had heart or cancer problems, and whether you smoke or skydive.
How to use the quote tool
When we ask about your health, you're picking a level: Excellent is rarely sick, Good is about average for your age, Fair is stable with some conditions, Poor means serious health issues.
Susman Insurance Agency works with carriers who are willing to work with your health profile.