Life Insurance

We break down barriers to understanding life and final expense policies. View guides or read reviews of popular plans.

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Health Insurance

How do I sign up for insurance? Am I eligible for subsidies? Get answers to these questions and more with our Health guides.

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Medicare

Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.

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Home

Home Insurance

Homeowners insurance doesn't work like you might think - we've done our homework to understand the policy options and benefits out there. Start by scouting your options, or viewing our reviews.

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Auto

Auto Insurance

We've done the work to learn what goes into auto insurance. View guides to getting the best rates or browse provider reviews.

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Pet

Pet Insurance

Pet Insurance can be complicated. Explore our guides to basic coverage, end-of-life plans, chronic health conditions, and more.

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Rating Class

Back to Life Insurance Glossary Terms

In life insurance, the insurance company use classifications to help determine an individual's policy rates. The rating class is determined by various health and lifestyle factors. Rating classes include Preferred, Preferred Plus, Premium, Standard, Standard Plus, Substandard, etc. The higher rating, the cheaper the policy premiums will be.