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.

Male & Female

Height and Maximum Weight in Pounds

Height	Pref Plus	Preferred	Stand Plus	Standard
Feet – Inches	Low – High	Low – High	Low – High	Low – High
4 – 10	89 – 134	135 – 144	145 – 155	182 – 196
4 – 11	92 – 139	140 – 149	150 – 160	161 – 188
5 – 0	95 – 144	145 – 154	155 – 166	167 – 194
5 – 1	98 – 149	150 – 159	160 – 171	172 – 201
5 – 2	101 – 153	154 – 164	165 – 177	178 – 207
5 – 3	104 – 158	159 – 170	171 – 183	184 – 214
5 – 4	108 – 164	165 – 175	176 – 188	189 – 221
5 – 5	111 – 169	170 – 181	182 – 194	195 – 228
5 – 6	115 – 174	175 – 186	187 – 200	201 – 235
5 – 7	118 – 179	180 – 192	193 – 207	208 – 242
5 – 8	122 – 185	186 – 198	199 – 213	214 – 249
5 – 9	125 – 190	191 – 204	205 – 219	220 – 257
5 – 10	129 – 196	197 – 210	211 – 225	226 – 264
5 – 11	133 – 201	202 – 216	217 – 232	233 – 272
6 – 0	136 – 207	208 – 222	223 – 239	240 – 279
6 – 1	140 – 213	214 – 228	229 – 245	246 – 287
6 – 2	144 – 219	220 – 234	235 – 252	253 – 295
6 – 3	148 – 225	226 – 241	242 – 259	260 – 303
6 – 4	152 – 231	232 – 247	248 – 266	267 – 311
6 – 5	156 – 237	238 – 254	255 – 273	274 – 320
6 – 6	160 – 243	244 – 260	261 – 280	281 – 328
6 – 7	164 – 249	250 – 267	268 – 287	288 – 336
6 – 8	168 – 256	257 – 274	275 – 295	296 – 345
6 – 9	173 – 262	263 – 281	282 – 302	303 – 354
6 – 10	177 – 268	269 – 288	289 – 309	310 – 363
6 – 11	181 – 275	276 – 295	296 – 317	318 – 371

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Richard Reich

President at Intramark Insurance Services

In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.

I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.

I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure.

Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client.

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