Not sure what "Preferred Plus" means?
Preferred Plus: Sometimes referred to as preferred elite, super preferred, or preferred plus, this category is associated with excellent health, a normal weight and height profile, and no other factors that might suggest increased health risk such as the death of a family member due to heart disease before age 60, for example.
Preferred: This category is associated with excellent health, though there may be a few minor issues like a slightly elevated cholesterol level, for instance.
Regular Plus: While associated with optimum health, there may be some factors that prevent the applicant from falling into a preferred category like high blood pressure or being overweight.
Standard: This category is associated with average health as well as a normal life expectancy. Minor health issues may be present or, perhaps, weight is not optimum. Factors such as these coupled with the death of a parent due to disease before age 60 could also be relative to this category.
Preferred Smoker: This category is for a person who would otherwise fall into the regular preferred category but smokes. Some insurers will place an occasional smoker in this category such as someone who smokes cigars only from time to time.
Standard Smoker: A smoker who is in otherwise standard health will be placed into this category. Since some providers offer non-smoker rates, someone in this category is apt to pay more than a non-smoker for the same type of policy.
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123EasyLife.com is an affiliate of 123EasyInsure a licensed independent insurance broker. 123EasyLife.com does not underwrite any insurance policy described on this website. The information provided on this site has been developed by 123EasyLife.com for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. License Numbers: AZ: 880193 CA: 0H22516 OH: 1146137