A “Median Substandard” life insurance classification used on this website
is generally applied to applicants healthy enough to be approved for coverage,
but with moderately higher risk factors that result in higher premiums.
How You Get a Quote
To get a quote at Median Substandard, use the quoting calculator on this page.
Select “Standard” from the Health Class drop down,
then add 100% to the premium shown.
Double the Calculated Premium
Quotes are displayed at Standard rates.
Median Substandard premiums are typically about 100% higher.
$100 → $200
$250 → $500
$350 → $700
Will It Be Exactly 100% More?
Usually very close. Substandard ratings are table-rated.
Most carriers charge 25% per table.
Median Substandard typically lands at Table 4.
Applying for Coverage
This article is a guide only. Final pricing is determined by underwriting.
Applying is the only way to know your exact rate — no obligation required.
Call 269-230-3464 for help applying.