Glossary
Standard rate class
The underwriting class for applicants of average health and risk, priced at an insurer's baseline rather than a discounted preferred rate.
Also called: standard class, standard risk, standard rates
Standard is the baseline rate class an insurer uses for applicants with average expected mortality for their age and sex. It isn't a penalty: standard means the insurer will issue coverage without an extra charge for health. Above it sit preferred classes for healthier-than-average applicants; below it are substandard classes with table ratings or flat extras.
Many insurers also offer a standard plus class between standard and preferred. You might land in standard with a controlled condition, such as treated high blood pressure that misses preferred limits, a higher build, elevated cholesterol, a family history of early heart disease or a less-than-clean driving record. Hypothetically, if preferred plus costs $25 a month for a policy, standard might cost $40, and Table 2 about $60.
If you're offered standard, ask why. One elevated reading at the exam can sometimes be rechecked, and a different insurer may treat your condition more favorably. Some insurers will reconsider your class after a year or two of better numbers. Tobacco users are usually placed in separate tobacco classes, which have their own standard tier. See life insurance rate classes: preferred plus to substandard and asking for a better rate class later.
Last reviewed October 4, 2026