Different people pay different insurance rates (premiums). The rate you pay is based on your age, your health, and your lifestyle. For instance, if you skydive as a hobby, you are considered a higher risk than someone who feels that knitting is about as adventurous as it gets! SBLI determined your "risk class" or "rate class" based on the results of the insurance underwriting process.
The information provided on your application, information gathered from your physician and possibly the MIB Inc., the results of your paramedic exam and other important information, such as your driving record and personal habits are the basis for determining your life insurance premium rate. Based on all of this information, you may have been classified into a higher "rate class" than you were previously quoted.