An applicant has well-controlled high blood pressure and is otherwise healthy. The underwriter accepts the application but adds a flat extra premium for the cardiovascular risk. The applicant has been placed in which risk class?

Explanation

A substandard or rated applicant presents higher-than-average mortality risk and is accepted with extra premium (either a flat extra per thousand or a table rating expressed as a percentage of standard). Preferred classes are for healthier-than-average lives.