Why Am I Being Rated For Life Insurance? 
Life insurance is pure mathematics . The standard rate represents a band of acceptable risks . This band is determined by statistics and the rate assigned is a statistical projection of the cost of paying the death benefits to this group of people . When a persons health , occupation , or avocation cause their risk to be different from standard they are offered an altered rate . It could be a preferred rate , or it could be one of several bands of sub-standard rates . They could also be excluded from certain activities or declined . 