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“Mild Substandard” Rating & Quotes

A “ Mild Substandard” life insurance classification is generally applied to an applicant who is said to be in good health, perhaps with one mild health condition.

How to Get a Quote

To get a quote at Mild Substandard, simply use our quote form on the right and select “Standard” from the Health Class dropdown menu, and add 50% to the quotes shown, like this:

Standard Life Insurance Quote

Now Multiply that Premium by 1.5

When you complete our quote form, quotes will be displayed for the “Standard” rating immediately.  You can expect your premium to be approximately 50% higher than the “Standard” premium quoted.

You can calculate this by multiplying the premium by 1.5.

For example:

“Standard” Premium      —>         “Mild Substandard” Premium

$100 per month                —>         $150 per month

$200 per month                —>        $300 per month

$300 per month                —>         $450 per month

Will it Be Exactly 50% More?


Please note substandard ratings are officially labeled as “table ratings” by life insurance carriers.  So if you get approved at a mildy substandard rating, the insurance company might actually call it Table B or Table 2.

Most companies charge 25% per table below the standard rating.  It’s possible you could get a Table 1 or Table A rating, which would only cost 25% more than the standard rating, but the most common rating after standard is Table 2, which is why we show a 50% 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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