Substandard Risk

This is a rating assigned to some applicants for life insurance, who are considered high risk.

What would be considered high risk? It could be that your job is perilous so a person who is cleaning hi-rise windows would pay more for life insurance.

Another situation would be if you have no medical history. If you have not been for check ups and cannot show that you are healthy then you might be considered higher risk.

If you do have a family history of early death from heart attack or have a condition such as diabetes then you may find you are not a "regular" risk.

This does not necessarily mean that you will be denied life insurance. It could be that you will have to pay more. Talk to your agent or broker about your particular situation.