P+, Pf, R+, and Rg are indicators that will help you determine the underwriting (health and lifestyle) criteria that you will need to satisfy in order to qualify for the premium shown.
P+ - indicates a rate for an individual in very preferred (preferred plus) health. A company offering a P+ premium also offers a preferred (Pf) and a regular (Rg) health premium. Pf premiums are less difficult to qualify for. Rg premiums are much less difficult to qualify for.
Pf - indicates a rate for an individual in preferred health. A company offering a Pf premium also offers a regular (Rg) health premium. Rg premiums are less difficult to qualify for.
R+ - indicates a rate for an individual in somewhat better health than regular (Rg), but not what the life insurance industry typically terms "preferred health". A company offering an R+ premium also offers a regular (Rg) health premium. Rg premiums are less difficult to qualify for.
Rg - indicates a rate for a person in normal health who does not have any medical or lifestyle condition which would increase their future risk of dying.
Example: A person who has moderately elevated blood pressure may not qualify for P+, Pf or R+ premium rates, but they might qualify for Rg. A private pilot may not qualify for P+ or Pf premiums, but might qualify for R+ or Rg rates. Please call one of our salaried Underwriting Associates for more details. Premiums quoted for smokers already take into account that the insured person smokes and therefore has a greater risk of death than a non-smokers. Premiums offered to smokers are already higher than those for non-smokers.