For purposes of this policy either the bmi or the metropolitan life tables may be used. For example a person who weighs 180 lbs and is 55 would have a bmi of 30. Some life insurance companies such as lincoln national now publish both heightweight guidelines and bmi guidelines to determine your rate class. Male female ages 45 64. Life insurance companies have been updating their underwriting guidelines to use bmi weight charts rather than the traditional heightweight chart. Height and weight chart for life insurance rate classifications.
The height and weight tables insurance companies use will determine the minimum and maximum height vs weight that they will accept. One of the most favorable life insurance build charts. Metropolitan life insurance company 1959 male. Metropolitan life height weight tables 1943 revised 1983. Height and weight underwriting guidelines are important factors that life insurance companies use to help determine your rate class. Recommendations for best life insurance companies for being overweight.
These are guidelines and may differ among life insurance companies. This information can help with determining an applicant for coverages rate class and premium amount. One of the key metrics that is used by life insurers is a height and weight table. 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. 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. Today most life insurance companies use height and weight charts to determine the mortality based on their own underwriting experiences.
Body mass index bmi according to a variety of weights and heights. Height and weight chart principal national life insurance co. Weight charts for men. Based on a persons height and weight the company is then able to determine their body mass index or bmi. Actual carrier build charts vary some more generous others more strict. If you need to know what a rate class is see here.
The bmi is calculated by dividing weight in kilograms by height in meters squared. The metropolitan life chart is organized by sex and body frame size small medium or large frame and all the other charts are sex and age graded except for the north american association for the study of obesity which lists weights by sex only.
Gallery of Life Insurance Height Weight Tables
