---
title: "What Is Preferred Plus? Definition | Epic Life Glossary"
description: "Preferred plus is usually the best underwriting class a carrier offers. It is for applicants in excellent health with very good build, clean records,..."
url: https://epicline.preview.multisites.ai/glossary/preferred-plus
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Underwriting

# Preferred Plus

Preferred plus is usually the best underwriting class a carrier offers. It is for applicants in excellent health with very good build, clean records, and no tobacco use, and it carries the lowest premium.

## Why it matters

Standards differ by carrier, but usually include strong blood pressure and cholesterol readings and a healthy family history. Few applicants qualify. Many policies, especially final expense, do not offer it. Ask the carrier for its exact rules, since a small difference in a test can change the class. Ask each carrier for its list.

Source: [naic.org](https://content.naic.org/article/consumer-insight-life-insurance-roadmap)

[Read next, for familiesTerm life insurance: how it works, what drives price, and when it ends](https://epicline.preview.multisites.ai/life-insurance/term-life)

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