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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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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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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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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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.
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