The first temperature reference (Class F, in this case) refers to the thermal capability of the insulation. Above this temperature (F = 155 C), the insulating properties and/or mechanical integrity of the insulation system change, possibly resulting in injury to personnel or equipment.
Operating an insulation at LESS than its allowable max temperature (i.e. at a "B" rise instead of the full "F") effectively extends the life of the insulation by a measurable amount, barring other unforeseen mechanical issues. The max temperature for a "B" insulation is 130 C ... which is a 25 C differential compared to the "F". For each 10 C below, life is extended by a factor of 2. This means that an "F" insulation operating at "B" temperatures will last roughly 5X longer than the same system operating at "F" temperatures.
Similarly, when operating higher than the design temperature, insulation life is halved for every 10 C.
Note that for most industrial machines, operating the windings at a Class B temperature rise above a 40 C ambient will result in a frame surface temperature that is (usually) hot enough to boil water - and cause a 3rd-degree burn after 2 seconds of contact with bare skin.
Converting energy to motion for more than half a century