What Are The Classes Of Life Insurance? 
The classes of life insurance also refer to rating classes of which there are 14 depending on the life insurance carrier . Your lifestyle , health status and occupation determine which class you will receive to determine your premiums . From best class to most expensive class goes as follows : 1 -RRB- Best Preferred 2 -RRB- Preferred 3 -RRB- Select Plus 4 -RRB- Select 5 -RRB- Standard Then Table 2-10 or A-I Anything rating over 10 or I would be a decline . 