What Is Table B Life Insurance? 
Life insurance underwriting has many classes from so-called `` preferred plus '' all the way to `` decline '' . Table ratings generally go from table 1 -LRB- also called table A -RRB- up to table 8 with some carriers even higher . Table rates add a multiple of the `` standard '' rate in most cases . Table ratings generally are used only on even numbered multiples . That is , table 2 , 4 , etc. . For a complete explanation including your particular health issues , speak with a good independent agent knowledgeable in heath issues and will access to a good independent underwriter . 