Preferred Plus
This rating is for people who are in excellent health, have no pre-existing medical conditions, and don’t engage in any high-risk activities. Preferred plus policyholders typically pay the lowest premiums.
Preferred
This rating is for people who are in very good health, have minimal pre-existing medical conditions, and don’t engage in any high-risk activities.
Standard Plus
This rating is for people who are in good health, have some pre-existing medical conditions, or engage in some high-risk activities.
Standard
This rating is for people who have some health issues, pre-existing medical conditions, or engage in high-risk activities.
Substandard
This rating is for people who have serious health issues, pre-existing medical conditions, or engage in very high-risk activities. Substandard policyholders typically pay the highest premiums.
