Table Rating
An underwriting method that increases premium above a standard class to reflect additional mortality risk, often expressed by table letters or numbers.
Why it matters
Carriers use different guidelines, so the same medical history can receive different offers.
Where you may see it
Underwriting offer, policy data page, agent communication, and reconsideration request.
What to verify
Base class, table factor, temporary flat extra, duration, premium impact, and conditions for future review.
Do not confuse it with
Financial rating, which evaluates the insurer rather than the applicant.
Read Table Rating in context
Start with the exact sentence where the term appears, then read the definition, schedule, and any referenced rider together. The practical concern is this: Carriers use different guidelines, so the same medical history can receive different offers. Locate the relevant records—underwriting offer, policy data page, agent communication, and reconsideration request.—and compare them with the issued contract rather than a sales summary.
Before signing, changing coverage, or making a claim decision, record the points that control the result: Base class, table factor, temporary flat extra, duration, premium impact, and conditions for future review. If another policy uses similar wording, do not assume it has the same effect.
Keep the dated page or form with your notes. If the definition changes the benefit, premium, ownership rights, or a deadline, ask the issuing insurer for a written explanation tied to the policy number.
Reliable places to check
- Your issued policy and application copy.
- NAIC consumer life insurance resources.
- Your state insurance department for licensing and consumer help.