What Does It Mean To Be Rated For Life Insurance? 
Being rated for life insurance means that your risk profile is greater than average . You are still insurable but at a different rate . Life insurance rates are calculated assuming average health and lifestyle and organized into standard rate sets specific to age , gender , tobacco use . If you have a medical condition that affects the underwriting process , you may qualify at a higher rate . Factors are applied to the rate table called table ratings -LRB- and , sometimes , flat extra ratings -RRB- which adjust the premium you pay so that it is appropriate for your risk profile . 