The rating class is the risk category you qualify for according to a life insurance company's underwriting guidelines. The rating class will determine the premium rate for the policy. Each life insurance company has its own rating class categories and underwriting guidelines for each. These guidelines vary by company.
The following questions will help us provide a more accurate quote by estimating your potential rating class. Please remember this will only provide an estimate. Your rating class will be determined by the insurance company through underwriting and may differ from our estimated class.
Our licensed Insurance Professionals can also help determine your potential rating class. Please contact us if you would like to speak with a representative.
You may also select your own rating class by using the following chart as a general guideline. View General Underwriting Guidelines Chart
If you are viewing this page in a popup, you may close it and change your rating class on the quote questionnaire to the class specified above. Otherwise you can Get a Term Life Insurance Quote and use the class specified above as your estimated rating class.