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Gallant Life Insurance

Learn what these terms mean

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What these terms mean

Additional questions? Call me at 512-922-1273

Health Class: Health Class, also known as risk class, helps determine your policy cost. 

  • As a rule of thumb, the average healthy American falls into the Standard or Standard Plus category. That means someone with no major health conditions, of average build (height & weight) and who takes a limited number of prescription medications (typically fewer than 2 to treat a condition). 
  • A smaller percentage of  people fall into Preferred and Preferred Plus categories. Falling into preferred plus means you likely take one or no medications and have few or no health issues.  
  • If your health is more compromised than outlined here, you may want to call me to understand more about your options.

Other factors involved in health class, also known as risk class, are things like driving history, bankruptcies, felonies/misdemeanors.

Tobacco Use: Tobacco use means any tobacco products (cigarettes, chew, snuff, snus, vape, patch or gum). If you currently use tobacco or have recently quit chose ‘Yes’ for Smoker/Tobacco. You can qualify for Standard & Standard Plus (non-tobacco) rates after 2yrs tobacco-free. Preferred after 3 yrs and Preferred Plus after 5. 

As a side-note: some carriers are now allowing marijuana use, but that typically comes with a tobacco rate, depending on frequency of use.

Type of Insurance: This indicates the term, or length, of your policy in years. A lifetime policy means you cannot outlive your policy.

Face Amount: This is the amount that will be paid to your beneficiary in the event of your death.

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Some of top-rated carriers we work with to find the right solution for you.

Dedicated to helping you protect what’s most important

My team and I make it our mission to help you find the right life insurance solution, at the best possible price.

We specialize in divorce cases, business scenarios such as Key Person Coverage, Buy-Sell Agreements, Loan Collateral as well as everyday family protection. 

Danny Gallant

Life Insurance Broker


  • Independent life insurance broker contracted with over 25 of the top carriers in the country.
  • Skilled field underwriter adept at selecting the right product/carrier to expedite coverage placement.
  • Experienced & knowledgeable team keeps the underwriting processing moving smoothly.
  • No high-pressure sales pitch. Just the same honest recommendations a family member would receive.

Request a free consult

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Just the same advice I’d give a family member

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