Your Risk Group

Standard, substandard, preferred and uninsurable, are the four groups that insurance companies use to divide us up. If you are preferred, you are seen as a low risk.  You do not work in a high risk job, you are not sick, are in good health and so you pay lower premiums. If you are in the standard group you are knows as an average risk. You have no illness that is terminal but have had a few health issues. Your have no hobby that is seen as high risk and so you pay the average cost for similarly situated insureds.
The substandard category is for those who have a high risk job, like a pilot or diver or even a scaffold worker. You already have a chronic illness as in diabetes, high blood pressure or heat disease. These people will have a higher premium. The uninsurable people have a terminal illness so you are definitely a high risk and you will probably not find anyone to insure you.
Companies seen everyone differently so shop around and ask questions. One may label you substandard and another may not. A professional who understand insurance can shop around for you but see a broker first.  Once you have been put in the substandard category, you must disclose to subsequent companies when you apply for their coverage.