---
title: "What Is Underwriting Class? Definition | Epic Life Glossary"
description: "An underwriting class is the group a carrier places an applicant in after review, such as preferred or standard. Each class has its own premium rate,..."
url: https://epicline.preview.multisites.ai/glossary/underwriting-class
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Underwriting

# Underwriting Class

An underwriting class is the group a carrier places an applicant in after review, such as preferred or standard. Each class has its own premium rate, with healthier groups paying less.

## Why it matters

Carriers set their own class names and rules, so a person may qualify as preferred with one and standard with another. Classes depend on health, tobacco use, build, and family history. Shopping several carriers can help. Final expense plans often have fewer classes than large term policies. Ask for the class name on any quote.

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

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

## Where we use this term

-   [How much does final expense insurance cost, and what sets the price?](https://epicline.preview.multisites.ai/guides/final-expense-insurance-cost)
-   [Can you still get life insurance over 70? Options that still work](https://epicline.preview.multisites.ai/guides/life-insurance-over-70)

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