Life Insurance Health Ratings

Shawn Plummer

CEO, The Annuity Expert

What Are Life Insurance Health Ratings?

Life insurance health ratings are evaluations used by insurance companies to determine the risk level of insuring an individual. These ratings affect the premium rate you pay for life insurance. The healthier you are, the lower your premiums tend to be.

Life Insurance Health Classifications

How are Health Ratings Determined?

Insurance companies assess a variety of factors, including:

  1. Medical History: Past and current health conditions.
  2. Family Health History: Health issues in immediate family members.
  3. Lifestyle Choices: Smoking, alcohol use, and high-risk hobbies.
  4. Physical Factors: Weight, blood pressure, and cholesterol levels.
  5. Age and Gender: Older individuals and certain genders may have higher risks for certain conditions.

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Common Health Ratings

  1. Preferred Plus: Excellent health and lifestyle.
  2. Preferred: Very good health with minimal health issues.
  3. Standard Plus: Good health, perhaps with minor issues.
  4. Standard: Average health and lifestyle.
  5. Substandard: Major health issues or high-risk lifestyle.

How Do Ratings Affect Premiums?

  • Higher Ratings, Lower Premiums: The better your health rating, the lower your life insurance premium.
  • Lower Ratings, Higher Premiums: More health risks mean higher premiums due to the increased risk to the insurer.

Improving Your Health Rating

  1. Maintain a Healthy Lifestyle: Exercise regularly, eat healthily, and avoid smoking.
  2. Manage Health Conditions: Regular check-ups and medication adherence.
  3. Review Lifestyle Choices: Reduce alcohol consumption and avoid high-risk activities.
Life Insurance Health Classes


Understanding life insurance health ratings is crucial in estimating your insurance costs and realizing the importance of maintaining a healthy lifestyle. By improving your health, you can potentially lower your premiums. Contact us today for a free quote.

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Feel free to contact us if you need help purchasing a life insurance policy. The service is free of charge.

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Frequently Asked Questions

What are the life insurance health ratings?

Life insurance providers use these levels to determine how much your premiums will be. Generally, they come in four categories: preferred plus, preferred, standard plus, and standard. Knowing which rating you fit into can give you a better understanding of what rates predetermine your premium payments!

What does a C rating mean?

Don’t worry; ratings describe the energy efficiency of any given unit and can help you decide which model is best for your home. Comparison shopping has never been easier!

What are the three main types of life insurance?

Life insurance has three primary types: Fully underwritten policies, simplified issue plans, and guaranteed issue options. All of these provide their own unique set of benefits that can help individuals make sure they’re sufficiently covered in case anything should happen.

What is the most popular life insurance policy?

Look no further than term life insurance! Term life policies are straightforward and cost-effective, offering coverage during a predetermined period. If death should occur within this specified period, your loved ones will receive an invaluable financial safety net. Simply put, it’s the most popular choice regarding quality protection without breaking the bank.

What are the four leading insurance rating companies?

Have you ever wondered which insurance rating companies are the most reliable? A.M. Best, Standard & Poor’s, Moody’s, and Fitch are leading the pack in grading an insurer’s financial strength – not their specific annuity products – using a proprietary algorithm for each agency that yields accurate results year after year.

*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost to you if you purchase a policy. It helps us keep the lights on!

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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