Super quality is one of the five health ratings of Sunshine Preferred Term Life Insurance, and it is also the one with the lowest rate. To obtain excellent physical evaluation, you need to upload the physical examination report within 1 year, and the report needs the original, photos or electronic version of the physical examination data organized by the unit or school in the municipal hospital or regular physical examination institution (individual make-up examination and re-examination are not accepted at present). After uploading, it is possible to get a superior health rating and bring cheaper premiums.
Standard body means that the age, health and other conditions of the insured meet the insurance requirements of insurance products, and the insurance company underwrites according to the standard insurance rate without any conditions. Generally speaking, the standard body accounts for about 90% of the insured insured by insurance companies.
To sum up, the main difference between the superior body and the standard body lies in the insurance rate and health grade. The premium body has a lower premium rate and a higher health rating, while the standard body is a routine underwriting object of insurance companies, with a relatively higher premium rate and a lower health rating.