Build and Life Insurance. Height and Weight Charts.

By Brad Cummins on Monday, 18 June 2012. Posted in Rates and Risk

Build and Life Insurance. Height vs Weight.

When buying life insurance your build is going to play a major role in the underwriters decision when approving the life insurance application. An applicants build can be better known as the relationship between height, weight and the distribution of weight. Today most life insurance companies use height and weight charts to determine the mortality based on their own underwriting experiences. The height and weight tables insurance companies use will determine the minimum and maximum height vs weight that they will accept. The charts vary form company to company so it's important that you use an agency like, who have in house underwriters, to help determine which company might have a little more forgiving height an weight chart. This is especially the case if you are on the heavier side of the chart. Being over the height and weight chart limit can lead to a 25% increase in premiums in the first weight class over the allowed limit.  It could mean the difference between being rated and staying in a standard or preferred rate class.

Experience has shown term life insurance companies that applicants being overweight increases the mortality at all ages. It also magnifies the chances of other physical aliments such a cardiac conditions.  This is know as the co-morbid factor to insurance companies, as one condition leads to another. Smoking and high blood pressure is another co-morbid example.  Life insurance underwriters never like to see the two mixed together.


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