What Is Table B Life Insurance? 
A Table B or Table 2 life insurance rating is generally equal to the standard rating plus an additional 50 % premium . As a rule of thumb , each table a carrier adds to a standard rating is a 25 % increase in premium over the premium for a standard risk class . Some life insurance companies use different rating systems than others , but this is generally the industry standard . Every life insurance company has different underwriting , so while you may have been offered a Table B rating by one company , you might be able to get a better rate , including standard or even preferred , with another company . If you have been assigned/offered a Table B risk classification on your life insurance application , it is likely due to the one of the following : 1 -RRB- Elevated weight to height profile 2 -RRB- Abnormal blood pressure readings 3 -RRB- Abnormal cholesterol readings 4 -RRB- Abnormal lab results , including A1C hemoglobin levels or elevated liver functions 5 -RRB- Abnormal EKG reading 6 -RRB- Diabetes 7 -RRB- History of cancer 8 -RRB- History of heart issues or heart disease 9 -RRB- Sleep apnea , including use of a CPAP or Bi-PAP machine 10 -RRB- Other disease or disorder 11 -RRB- A combination of the above conditions You may be thinking at this point that it would be a good idea to just apply for another policy with a different company and the results are better next time . DO NOT DO THIS !!! Every time you apply for coverage , the result of the underwriting gets entered in to the Medical Information Bureau database . When a carrier sees you have applied for coverage with multiple carriers and they each offer you a table rating , the less likely your odds are to get a better offer because it 's sort of like a red flag to other carriers . Before applying with any other insurance companies , you need to consult with a life insurance broker who has a strong background in high risk life insurance . A broker can shop your case informally to determine which carrier will work best for your specific medical history . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 