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Height and Weight Guidelines for Life Insurance

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Height and Weight Guidelines for Life Insurance

Height and Weight Calculator

Can the Overweight and Obese Still Find Good Life Insurance Rates?

Height and weight are key factors that life insurance companies use to help determine a person’s rate class and premium for coverage. There are guidelines that each company follows, and these may differ between various life insurance companies.

The average adult male in America is 5’9” tall and weighs 196 pounds according to the CDC. It also means the average adult male in America is overweight, according to their BMI charts. As if that wasn’t enough, if that man enjoys some great meals during the holidays and gains six little pounds, he’d then be considered obese.
As for women, we see an average height in the United States of 5’4”, with an average weight of 166 pounds. This is also officially “overweight” by CDC standards, but the average woman would still be able to qualify for the very best life insurance rates from most companies. She would have to pack on more than 120 pounds, on average, before she is turned down for coverage by some life insurance companies.

Can Obese People Find Great Life Insurance?

Yes! Those who are not at the “optimal weight” for their height and build can still find coverage that meets their needs. We’ve checked out some of the rules regarding weight guidelines and found a few interesting facts, like the fact that people who are of average weight can gain more than 100 pounds before they’re unable to buy life insurance at an excellent rate. In this example, our man that stands at 5’9” would have to weigh over 300 pounds, in general, before he would have trouble buying life insurance from some providers. Keep in mind, however, that every company has its own guidelines that it uses to determine eligibility and rates.

Our experts at lifeinsure.com know which companies are most liberal and how various companies’ height and weight tables are different than others.

How Does Weight Affect Life Insurance?

Every life insurance company follows its own chart, called a build chart, that lists the maximum allowable weights for each premium price level – each inch of height has a different allowable weight maximum. Life insurance agents use these charts to determine the rates that clients will receive. Typically, the best rates are called “preferred plus” rates, which go to the people who are the healthiest with the best placements on the build charts.

What the CDC Charts and Build Charts Really Mean

If you take away anything from this article, keep in mind that even those who are overweight can qualify for decent life insurance rates, as long as there are no other health problems that would bump up the premiums. The bottom line is, don’t be alarmed by the CDC’s BMI weight classifications. In general, you have to be extremely obese to be denied at multiple companies for life insurance.

Remember: Each insurance company is different. Click here to start with instant term life insurance quotes, return of premium term life insurance quotes, or contact us so we can shop the market for the best rate for you.

Life Insurance Rates and Body Weight

The main reason why people with higher BMIs have higher premiums is because those who are heavy tend to have lower life expectancies, based on calculations from insurance underwriters.
Here’s an example of how weight affects premiums: A man standing 5’11” weighing 246 pounds would pay $330 more annually for a $500,000 policy than a man of the same height who weighs 50 pounds less, standing at 196 pounds. A woman would pay about the same increased amount for weighing 50 pounds more than her counterpart, as well.

How Do Insurers Know Your Weight?

Although you might think you’d be able to write down an inaccurate height and weight on your application for life insurance and get by with lower rates, your numbers will be verified during your life insurance medical exam anyway. In addition, it’s recommended that you not go on a crash diet before your exam, because most companies will pull your history from several months or even years back. This history is more influential than your weight at any single point, and once your life insurance policy has been issued, there’s no way for companies to tell if a policyholder has gained weight or not.

How much can you get a policy for at your height and weight? Easily and quickly compare premiums with LifeInsure.com’s quote generator for online life insurance quotes today.

Height/Weight Chart

MALE

Height

Preferred
Plus

Pref NT & Pref T

Standard
Plus

Std
NT

Std
T

Feet

In

Low

High

Low

High

Low

High

4

8

83

126

82

137

81

150

>150

>137

4

9

85

131

84

142

83

155

>155

>142

4

10

88

136

87

147

86

160

>160

>147

4

11

92

141

91

153

90

166

>166

>153

5

0

96

146

95

158

94

171

>171

>158

5

1

99

150

98

163

97

177

>177

>163

5

2

103

155

102

168

101

182

>182

>168

5

3

107

160

106

173

105

188

>188

>173

5

4

110

164

109

178

108

193

>193

>178

5

5

114

169

112

183

111

199

>199

>183

5

6

117

174

116

188

114

205

>205

>188

5

7

121

179

119

193

118

211

>211

>193

5

8

123

184

122

199

120

216

>216

>199

5

9

128

189

126

204

125

222

>222

>204

5

10

130

195

129

210

127

228

>228

>210

5

11

134

200

132

215

131

234

>234

>215

6

0

137

205

136

221

134

240

>240

>221

6

1

142

211

140

227

137

246

>246

>227

6

2

145

217

144

234

142

253

>253

>234

6

3

149

222

147

240

145

260

>260

>240

6

4

152

228

151

246

149

266

>266

>246

6

5

157

234

155

253

153

273

>273

>253

6

6

161

240

159

260

157

280

>280

>260

6

7

165

245

164

266

162

287

>287

>266

6

8

169

250

168

272

167

294

>294

>272

6

9

174

255

173

278

172

301

>301

>278

FEMALE

Height

Preferred
Plus

Pref NT & Pref T

Standard
Plus

Std
NT

Std
T

Feet

In

Low

High

Low

High

Low

High

4

8

82

123

81

134

80

146

>146

>134

4

9

84

127

84

139

83

151

>151

>139

4

10

87

132

86

144

85

156

>156

>144

4

11

90

137

89

149

88

162

>162

>149

5

0

92

142

91

154

90

167

>167

>154

5

1

94

147

93

159

92

172

>172

>159

5

2

97

151

96

163

95

178

>178

>163

5

3

99

156

97

168

96

183

>183

>168

5

4

101

161

100

173

99

188

>188

>173

5

5

103

165

102

178

101

194

>194

>178

5

6

106

170

104

183

103

200

>200

>183

5

7

107

175

106

188

105

205

>205

>188

5

8

111

180

110

194

108

211

>211

>194

5

9

114

185

112

199

111

216

>216

>199

5

10

117

190

116

205

114

222

>222

>205

5

11

120

195

118

210

117

227

>227

>210

6

0

122

200

121

216

120

233

>233

>216

6

1

126

206

124

222

123

239

>239

>222

6

2

128

211

127

229

126

245

>245

>229

6

3

132

217

131

235

129

251

>251

>235

6

4

136

223

134

242

132

258

>258

>242

6

5

139

229

137

248

136

264

>264

>248

6

6

143

235

141

255

139

270

>270

>255

lbs

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