---
title: "What Is Preferred? Definition | Epic Life Glossary"
description: "Preferred is an underwriting class just below preferred plus. It is for applicants in very good health, and it carries lower premiums than the standard..."
url: https://epicline.preview.multisites.ai/glossary/preferred
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Underwriting

# Preferred

Preferred is an underwriting class just below preferred plus. It is for applicants in very good health, and it carries lower premiums than the standard classes do.

## Why it matters

Carriers use their own tests for blood pressure, cholesterol, build, and family history. Moving from standard to preferred can lower the premium noticeably over a long term. Not every carrier uses the same name or number of classes. Compare quotes, and note that tobacco use usually removes preferred eligibility. A small change in one test can move you into or out of the class.

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)

## Where we use this term

-   [How much does life insurance cost, and what drives the price?](https://epicline.preview.multisites.ai/life-insurance/cost)

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