Health classes for life insurance are usually subdivided into smoker or nonsmoker classes, and ratings such as preferred plus, preferred, standard plus, and standard.
The Substandard rate is table 1 - 10 with 10 being the worse or highest rate. The rating/health class is determined by your build, family health history and motor vehicle report, among other things.
In addition, factors that can affect life insurance premiums are your health, age, tobacco use, height-to-weight ratio, family health history, foreign travel to unsafe countries, dangerous occupations and hobbies, substance abuse, lifestyle, serious and/or numerous driving violations, felony, and results of physical exam (if exam is required). With most of these factors, not just your current situation is considered, but they also look back several years.
Having any of these risk factors does not necessarily mean your rate will be affected, but it may have an impact on your rate per $1,000 of life insurance coverage you purchase.
Here's how you can compare life insurance rates online.