What the 1‑to‑40 Rating Scale Means
The rating scale used by many insurers ranges from 1 (best health) to 40 (poorest health). Each point represents a step up in perceived risk, which directly influences the premium you will pay. A rating of 1 indicates no adverse health findings, while a rating of 40 reflects multiple serious conditions that significantly increase the insurer's liability.
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How Ratings Are Determined
Underwriters evaluate medical questionnaires, lab results, and sometimes physician statements. Factors such as age, smoking status, blood pressure, cholesterol, and existing diagnoses are assigned point values. These points are summed and then mapped onto the 1‑40 scale. The exact algorithm varies by carrier, but the underlying principle is consistent: higher points equal higher risk.
Impact on Premiums
Premiums rise incrementally as the rating climbs. The increase is not linear; insurers often apply a multiplier that accelerates after certain thresholds (e.g., above rating 20). Consequently, moving from a rating of 10 to 15 may add 5‑10% to the premium, whereas moving from 30 to 35 could raise it 20% or more.
Typical Rating Ranges and What They Indicate
| Rating Range | Health Profile | Premium Effect |
|---|---|---|
| 1‑5 | Excellent health, no major risk factors | Base premium |
| 6‑10 | Minor issues (e.g., slightly elevated cholesterol) | +5‑10% |
| 11‑15 | Controlled hypertension, non‑smoker | +10‑20% |
| 16‑20 | Smoker or multiple moderate risk factors | +20‑35% |
| 21‑30 | Significant health concerns (e.g., diabetes, heart disease) | +35‑70% |
| 31‑40 | Severe or multiple serious conditions | +70% and higher; may require guaranteed‑issue policies |
Strategies to Lower Your Rating
Improving measurable health metrics can move you down the scale. Quitting smoking, losing weight, managing blood pressure, and updating lab work often result in a better rating on re‑application. Some carriers also offer "re‑rating" after a period of stable health, allowing you to request a review of your current rating.
Choosing a Policy Based on Your Rating
Applicants with lower ratings (1‑15) typically qualify for term policies with the most competitive rates. Those in the 16‑30 range may still obtain term coverage but should compare multiple carriers to find the best underwriting guidelines. Ratings above 30 often limit options to guaranteed‑issue or simplified issue products, which carry higher costs and lower face values.