Why Am I Being Rated For Life Insurance? 
Being rated for life insurance means that you had a table rating tacked onto your premium . Table ratings come in letters or numbers , with A to H , or 1 to 8 , being as high as they usually go , although it is possible to be rated up to table L or 12 with some medically underwritten companies and policies . Most commonly , each table rating will add 25 % to the Standard premium . Again , some companies use a different guideline for table ratings , and those differences can make a big difference in the price , with the savings -LRB- or extra cost -RRB- compounding as the table ratings get higher . Table ratings are just an assessment of risk and mortality , as are all health ratings given by life insurance underwriters . If approvals ended at Standard , many people would not be able to qualify for life insurance . Being able to get a rated policy enables many persons with MS , type 1 diabetes , Hepatitis C , and other health conditions to get a traditional life insurance policy of any type or amount . PS I just saw that there is additional information to this question . If your blood pressure or A1C run high , or if you have had complications from your diabetes or hypertension , it will not matter if you are only taking two pills per day . If , however , you have a history of good control with both , you may need to look at a different company to see if you can get a better rating . 