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Life Insurance Quote with “Medium Substandard” Health Rating

A “Medium Substandard” life insurance classification is generally applied to an applicant who is healthy enough to be approved for life insurance, but due to a moderately risky health condition, will be asked to pay a higher premium than healthier applicants.

How to Get a Quote

To get a quote at Medium Substandard, simply use our quote form on the right and select “Standard” from the Health Class dropdown menu, and add 100% to the quotes shown, like this:

Standard Life Insurance Quote

Now Double that Premium

When you complete our quote form, quotes will be displayed for the “Standard” rating immediately.  You can expect your premium to be approximately 100% higher than the “Standard” premium quoted.

To calculate this, just multiply the premium by 2.

For example:

“Standard” Premium      —>         “Medium Substandard” Premium

$100 per month                —>         $200 per month

$200 per month                —>        $400 per month

$300 per month                —>         $600 per month

Will it Be Exactly 100% More?


Please note substandard ratings are officially labeled as “table ratings” by life insurance carriers.  So if you get approved in a medium substandard rating range, the insurance company might actually call it Table 4 or Table D.

Most companies charge 25% per table below the standard rating.  It’s possible you could get a Table 4 or Table 5 (D or E) rating, which would only cost 100%-125% more than the standard rating, but the most common of the two is Table 4, which is why we show a 100% addition.

Applying for Coverage

Keep in mind our articles are merely a guide to how you will be rated.  The only way to know for sure what your actual rating will be is to apply for coverage, and see what health class you are approved at.  If you apply for coverage, there is no obligation to buy.

We can help you apply if you call us at 877-443-9467.

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