What Does It Mean To Be Rated For Life Insurance? 
What does it mean to be rated for life insurance ? Being rated means you have a health condition that does n't exclude you from coverage -LRB- declined -RRB- , but ads additional cost to the policy . Also known as `` table rated '' a person could be rated along a range of levels -LRB- tables -RRB- for an illness depending on their individual situation . A great example of table rating is diabetes . When I started 25 years ago , Diabetics were a straight decline for life insurance . No chance . Over the years , as treatment and severity of Diabetes changed , came a `` range '' of health levels that Diabetics can display . There are diabetics who have become healthier than the general population and there are Diabetics who every day struggle with control of thier illness . The insurance industry has figured out these two are not the same individuals health wise . A person with well controlled diabetes may fall into normal class range or low table rates , while a person with less control of their diabetes would be higher on the tabe rates . 