Height and Weight Guidelines

Height & Weight are important risk factors that insurance companies use to determine your rate class.

This table can be used for both male and female insureds. Once again they are general in nature, but do represent the allowable maximums for either Preferred Plus, Preferred, or Standard rates from most companies. If your weight exceeds the maximum shown here, use Standard rates in calculating your quote.

Height

Maximum Weight

 

Preferred Plus

Preferred

Standard

4'10"

137

144

169

4'11"

141

149

175

5'0"

145

154

189

5'1"

149

159

193

5'2"

153

164

197

5'3"

158

169

204

5'4"

162

175

209

5'5"

166

180

215

5'6"

170

186

220

5'7"

176

192

225

5'8"

182

197

230

5'9"

188

203

235

5'10"

193

209

242

5'11"

199

215

251

6'0"

205

221

256

6'1"

211

227

263

6'2"

216

234

271

6'3"

222

240

279

6'4"

227

246

286

6'5"

233

253

293

6'6"

238

260

300

6'7"

243

266

307

6'8"

249

273

316

6'9"

254

280

325

6'10"

260

287

333

6'11"

265

294

341

 

The following tables, Height and Weight Guidelines and Medical Guidelines, offer basic guidelines as to how most companies will classify you (preferred plus, preferred, standard) based on medical and personal issues. If you do not meet one or more of the requirements listed in the preferred or preferred plus columns, please select Standard classification when calculating your quotes.

IMPORTANT: Even if you apply as a standard or preferred risk, our companies will offer you their very best possible rates (preferred, preferred plus ) whenever possible.
 

Generally a simplified physical exam is required to obtain most types of term life insurance. The physical exam can be completed at your home or other convenient location. The exam generally takes only about 15-30 minutes and is conducted by a licensed paramedical or medical doctor. The exam generally involves a blood and urine specimen, blood pressure reading, height and weight measurements, and a series of questions regarding your medical history will be asked


**Your classification will ultimately be determined by the underwriting insurance company. Actual requirements will vary slightly from company to company.