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Welcome to Quotacys video series Life Insurance Word of the Day. Im Natasha. In this series, we explain life insurance terms in easy-to-understand language. Todays words of the day are: Table Rating Life insurance companies want to be able to provide coverage to all different types of people with different life circumstances. But not everyone can qualify for standard rates. You may have a health or lifestyle characteristic that insurance companies deem risky to insure. To be able to obtain coverage, an applicant may be table rated. For example, a diabetes diagnosis or a sky diving hobby can trigger a table rating. A table rating requires the insured person to pay an extra percentage on top of the standard rate. This specific percentage is based on the table rating youre assigned. Table ratings can range from Table 1 to Table 16. Each increase in the table rating system is an increase in 25%. So, if youre offered coverage at Table 5, your monthly premium payment would be the Stand