Notes:

Regular (Rg): indicates a rate for a person in normal health who does not have a medical condition or lifestyle condition that increases their risk of dying in the future.

Regular Plus (R+): indicates a rate for an individual in somewhat better health than regular, but not what the life insurance industry typically refers to as "preferred health". A company offering this premium also offers a regular health premium, which is less difficult to qualify for.

Preferred (Pf): indicates a rate for an individual in preferred health. A company offering this premium also offers a regular health premium, which is less difficult to qualify for.

Preferred Plus (P+): indicates a rate for an individual in very preferred health. A company offering this premium also offers preferred and regular health premium, which are less difficult to qualify for.