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All insurance cos have different criteria to qualify for their different rate classifications (preferred plus, preferred, regular plus, regular, table 2, table 4, etc.) and most cos have 12 or more rate classifications for which any one person could qualify.
If you don't qualify for "Regular" or better rates, then you could be "rated for life insurance" or offered a substandard rate. While there are a few insurance co's that have a special rating structure, the norm is that most insurance companies will "rate" and charge an extra premium in addition to their "Regular" rate.
So most insurance co's ratings will start at the Regular rate plus 50% also called Table 2 or Table B, then Regular rate plus 75% (Table 3 or C), then Regular rate plus 100% (Table 4 or D) and go all the way up to Regular rate plus 250% (Table 10 or J) and sometimes even higher, depending on the company.
All insurance co's "rate" ailments differently and we'll find the insurance company that will offer you the best "rating" or price depending on your particular criteria. Whether you have Diabetes,
heart disease, are overweight, etc., there will be one life insurance company that is best for you and we'll find you that company.
For example, right now there are a couple insurance co's that are offering late age onset, well controlled diabetics "Preferred Plus" or "Preferred" rates, whereas many insurance companies are "rating" these same people for life insurance and only offering them a Table 2, 3 or 4 rating.
So make a quote request to the above right and provide us with at least your email address, then we'll contact you with information and best rates for you.
