What Is Table B Life Insurance? 
Table B on your life insurance means that you had some type of risk factor that caused you to be charged a little more than Standard rates . You could have been rated table B due to weight , or a health condition , or some other type of risk factor . With most companies , one table rating adds 25 % of the Standard rate onto the Standard price . So a table B would cause your rate to be about 50 % higher than Standard -LRB- table B is the same as table 2 -RRB- . The table rating for some companies adds more than 25 % , for some companies it adds less than 25 % , and some add it onto a rate other than Standard . While no one likes to pay a higher rate , table ratings are really a very good thing because they allow you to get a policy even though you can not qualify for the Standard rating . 