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What Does a Rated Life Insurance Policy Mean?

By Byron Udell | December 20, 2006

Rated Life Insurance Explained

A rated life insurance policy is a policy is also often referred to as a substandard policy. A person with less than average health or who has a high-risk occupation may receive a rated or substandard life insurance policy. This would result in a higher premium rate if you choose to accept the life insurance policy. Often times, the rating may be an additional percent of the total premium or a flat extra amount of premium per $1,000 of death benefit.

We only work with highly rated insurance companies – brand names you trust. You may be able to save money without sacrificing quality and strength.