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Standard Plus is one of four life insurance rating classes, which also include Preferred Plus, Preferred, and Standard. The rating class impacts the insurance rate, with Standard Plus falling between Preferred and Standard. Standard Plus is for people who have one or two medical issues but are generally healthy. To qualify for Standard Plus, your blood pressure must be ≤ 145/88, and your cholesterol must be ≤ 260 if your HDL ratio is ≤ 7.0 (or 290 if the ratio is ≤ 6.5).
| Characteristics | Values |
|---|---|
| Rating class | Standard Plus |
| Health | Generally healthy with one or two medical issues |
| Cost | More than Preferred categories but less than Standard |
| Blood pressure | ≤ 145/88 |
| Cholesterol | ≤ 260 if HDL ratio is ≤ 7.0, or ≤ 290 if ratio is ≤ 6.5 |
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What You'll Learn
- Standard Plus is for people with one or two medical issues but who are generally healthy
- Standard Plus is more expensive than Preferred categories
- Standard Plus is cheaper than the lowest tier with the highest rates
- Standard Plus is for people with a blood pressure of ≤ 145/88
- Standard Plus is for people with a cholesterol level of ≤ 260 if their HDL ratio is ≤ 7.0
Standard Plus is for people with one or two medical issues but who are generally healthy
Standard Plus is one of the four life insurance rating classes, which determine the cost of your monthly premium. If you have one or two medical issues but are generally healthy, you will qualify for Standard Plus. This means that you will pay more than those in the Preferred categories, but you won't fall into the lowest tier with the highest rates.
Within the Standard Plus category, there are further subcategories. For example, a table rating of C means a standard rate plus 75%. Insurers might also attach a temporary extra charge, known as a "flat extra". For instance, a cancer survivor might qualify for standard rates plus a $5 flat extra per $1,000 of coverage for five years.
To qualify for Standard Plus, your blood pressure must be ≤ 145/88, and your cholesterol must be ≤ 260 if your HDL ratio is ≤ 7.0 (or 290 if the ratio is ≤ 6.5).
It's important to note that these categories are not necessarily applied industry-wide, and different insurers may have slightly different criteria for determining risk categories.
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Standard Plus is more expensive than Preferred categories
Standard Plus is one of the four life insurance rating classes, which also include Preferred Plus, Preferred, and Standard. The rating class is the primary driver of the cost you pay each month to keep your insurance policy active. Standard Plus is more expensive than the Preferred categories. This is because those in the Standard Plus category are generally healthy but have one or two medical issues.
Standard Plus is less expensive than the Standard rating class, which is for those with several medical issues or who live a generally risky lifestyle. Within the Standard rating class, there is a smoker and non-smoker grade. Specific activities like regular rock climbing, skydiving, hang gliding, and bungee jumping can be considered risky.
A standard plus rating means you need your blood pressure to be ≤ 145/88, and your cholesterol to be ≤ 260 if your HDL ratio is ≤ 7.0 (or 290 if the ratio is ≤ 6.5). Sometimes, an insurer might attach a temporary extra charge, known as a “flat extra”. For example, a cancer survivor might qualify for standard rates plus a $5 flat extra per $1,000 of coverage for five years.
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Standard Plus is cheaper than the lowest tier with the highest rates
Standard Plus is a life insurance rating class. Your rating class impacts your insurance rate. Standard Plus is for people who have one or two medical issues but are generally healthy. People with this rating class will pay more than those in the Preferred categories, but they won't fall into the lowest tier with the highest rates.
Standard Plus is a step above Standard, which is for people with several medical issues or who live a generally risky lifestyle. People with a Standard rating will pay more than healthier and lower-risk applicants, but they will still qualify for a regular life insurance policy. Within life insurance risk categories, there is usually a smoker and non-smoker grade.
The Standard Plus rating class is based on basic health information, such as height, weight, and medical history, as well as lifestyle factors like smoking status, profession, and risky activities. For example, regular rock climbing, skydiving, hang gliding, and bungee jumping can be considered risky activities. However, in general, a young, healthy applicant will receive lower rates compared to an older, unhealthy applicant.
A standard plus rating means you need your blood pressure to be ≤ 145/88, and your cholesterol to be ≤ 260 if your HDL ratio is ≤ 7.0 (or 290 if the ratio is ≤ 6.5). It's important to note that life insurance rates depending on your health rating class, and the specific rates may vary across different insurance providers.
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Standard Plus is for people with a blood pressure of ≤ 145/88
Standard Plus is a life insurance rating class. Your rating class impacts your insurance rate. If you have one or two medical issues but are still generally healthy, you will qualify for Standard Plus. This means you will pay more than the Preferred categories, but still don't fall into the lowest tier with the highest rates.
The rating class is the primary driver of the cost you pay each month to keep your insurance policy active. Underwriters are charged with assigning every applicant to a risk category based on basic health information, like height, weight, and medical history, along with lifestyle factors like smoking status, profession, and risky activities.
Standard Plus is one of four life insurance rating classes. The other three are Preferred Plus, Preferred, and Standard.
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Standard Plus is for people with a cholesterol level of ≤ 260 if their HDL ratio is ≤ 7.0
Standard Plus is a life insurance rating class. Your rating class impacts your insurance rate. If you have one or two medical issues but are still generally healthy, you will qualify for Standard Plus. This means you will pay more than the Preferred categories, but you won't fall into the lowest tier with the highest rates.
In addition to cholesterol levels, other factors that can affect your life insurance rating class include blood pressure, height, weight, medical history, smoking status, profession, and risky activities. For example, regular rock climbing, skydiving, hang gliding, and bungee jumping can be considered risky activities.
It's important to note that the specific criteria for Standard Plus and other rating classes may vary across different insurance providers and locations.
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Frequently asked questions
Standard Plus is a rating class for life insurance. It means you have one or two medical issues but are generally healthy. You will pay more than the Preferred categories, but you won't fall into the lowest tier with the highest rates.
To qualify for Standard Plus, your blood pressure needs to be ≤ 145/88, and your cholesterol needs to be ≤ 260 if your HDL ratio is ≤ 7.0 (or 290 if the ratio is ≤ 6.5).
Standard Plus is one of four life insurance rating classes, along with Preferred Plus, Preferred, and Standard. Standard Plus is more expensive than the Preferred categories but cheaper than Standard.
