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Height and Weight Guidelines for Life Insurance

Height and weight underwriting guidelines are important factors that life insurance companies use to help determine your rate class. These are guidelines and may differ among life insurance companies.

The table is fairly generic, but gives a general idea of the allowable maximums for the best life insurance rate classes from most companies (if your weight exceeds the maximum shown here, use Standard rates in calculating your quotes to get an idea). Bear in mind that our Health Analyzer factors in your height and weigh when calculating your rates.

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What is my Insurance Age?

Many insurance companies determine your age as your age at your nearest birthday. As an example, if you were born on January 1,1968, your "insurance age" in 2008 would be age 40 up until June 30th, 2008. Thereafter, it would be age 41 until June 30th, 2011.

The date your policy is issued determines your insurance age. As it typically takes 30 - 90 days to approve a policy, the premium of your policy might differ slightly from your original quotes.

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