If you have followed the ever changing guidelines of the medical community, you already know that these groups continually adjust downward the "ideal" height/weight ratio....

From a life insurance underwriting standpoint, insurance companies have continually lowered the acceptable weight range over the past few years.

A number of life insurance companies now look at BMI - Body Mass Index as part of their underwriting criteria.

The good news is that we maintain a database of underwriting guidelines by life insurance company.

After you complete your FREE Life Insurance Quote Request, we compare your information to the various life insurance company underwriting guidelines to ensure that you get the most competitive rates based on your height and weight.

Keep in mind that every life insurance company has its own set of underwriting guidelines. The following build chart will give you an idea as to how different life insurance companies treat build. These are the actual build cutoff limits for the preferred best rates.

Life Insurance Build Charts

Sample weight cutoffs by life insurance companies for their best rate class

Height Company 1 Company 2 Company 3 Company 4 Company 5 Company 6

5'-0" 144 146 146 148 144 137

5'-1" 148 151 152 153 149 142

5'-2" 153 156 158 158 154 147

5'-3" 158 161 164 163 159 152

5'-4" 163 166 169 169 164 157

5'-5" 168 171 174 174 169 161

5'-6" 174 176 180 179 174 167

5'-7" 179 181 185 185 179 171

5'-8" 184 187 189 190 184 177

5'-9" 190 192 195 196 189 182

5'-10" 195 198 200 202 195 187

5'-11" 201 203 206 207 200 192

6'-0" 207 209 211 213 205 198

6'-1" 212 215 217 219 211 204

6'-2" 218 221 222 225 217 210

6'-3" 224 227 228 232 223 216

6'-4" 230 233 233 238 228 222

6'-5" 236 239 239 244 233 227

6'-6" 242 - 246 250 238 234

6'-7" 249 - 252 257 244 240

6'-8" 255 - - 263 249 246

6'-9" 261 - - 270 254 253

6'-10" 268 - - 277 260 -

6'-11" 274 - - - 265 -

7'-0" 281 - - - 270 -

We understand life insurance underwriting and know which company will be best for you based on your individual circumstances. If you have a significant weight issue, we have a number of impaired risk life insurance companies available to help.

Take a few minutes to submit your information and get a free life insurance quote. There is never any obligation or pressure to buy with our service. We'll give you the information you need in order to make an informed decision about your life insurance. Thank you.

Free Life Insurance Quote Request

The information contained on this website is meant to inform you about how medical issues affect your life insurance rates. This information is not meant to replace your physician's advice. Always consult your physician for medical advice regarding your specific health issues.

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