Each carrier uses its own weight guidelines. The average woman in the us. Unlike the dmv that will take your word for it life insurance companies will require proof through the form of an exam. Heres a general example for preferred and standard rates. 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. Its only when the 5 foot 9 man hits about 329 pounds that he would be declined for life insurance by some carriers.
Height and weight chart for life insurance rate classifications. Life insurance companies publish build charts in the underwriting guidelines made available to insurance agents. Take a look at the chart below. 301 850 4911 google maps yelp facebook. Recommendations for best life insurance companies for being overweight. Often life insurance companies use heightweight guidelines based on the bmis ranges for underweight normal weight overweight and obese classifications.
Insurance companies all have height and weight charts and limitations in order to be approved for coverage. These are guidelines and may differ among life insurance companies. A 56 female can weigh 186 lbs and qualify for the preferred best health class. Is 5 foot 9 inches tall and weighs 196 pounds. Is 5 feet 4 inches tall and weighs 169 pounds. Life insurance weight charts.
Actual carrier build charts vary some more generous others more strict. According to the centers for disease control cdc the average male in the us. 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. Pacific life insurance company has one of the most favorable height and weight charts in the united states in 2020. Life insurance companies use a system of classification to determine an individuals state of health based on a series of factors pertaining to that.
The paramed exam consists of height and weight measurements a blood pressure reading and samples of blood and urine. While many companies still use heightweight charts more and more companies have begun switching to the use of bmi charts. Height and weight underwriting guidelines are important factors that life insurance companies use to help determine your rate class. Be upfront with your agent about how much you weigh. For example a 600 male can weight up to 221 lbs and still qualify for the preferred best health class. That is because the insurer wants to know just how much risk it will be taking on if they offer you a policy.
Gallery of Life Insurance Weight Height
