Life Insurance Weight Limits (BMI) 2023

Are you looking for the best Life Insurance height and weight tables (BMI) 2023?

Great! Then you are at the right place.

Beside age, your height and weight is the next biggest determinant in deciding your life insurance rate.

In fact, being over the height and weight guidelines (build chart) is the number one reason why life insurance rates change from the original quoted price to the final rate after the underwriting process is completed.

By using our height and weight guidelines for life insurance below you can get the best rates in the country!

Pro Tip: Make sure you are choosing a life insurance company that will offer you the best rates for your current weight. Each life insurance company has their own build underwriting guidelines.

Best Life Insurance Health Class Weight Limits for Male and Female (Unisex)

Below is the life insurance weight limit chart by health class for both males and females from one of the largest life insurance companies in the country.

The chart goes from 4’10” to 6’10” tall and up to 334 lbs. The chart also shows the maximum BMI for each life insurance health class by height and weight up to 35.

Height	Preferred Best (lbs)	Preferred (lbs)	Standard (lbs)
4’10”	143	158	167
4’11”	148	163	173
5’0”	153	168	179
5’1”	158	174	185
5’2”	164	180	191
5’3”	169	186	197
5’4”	174	192	201
5’5”	180	198	210
5”6”	186	204	216
5’7”	191	211	223
5’8”	197	216	230
5’9”	203	223	236
5’10”	209	229	243
5’11”	215	236	250
6’0”	221	242	258
6’1”	227	250	265
6’2”	233	256	272
6’3”	240	264	279
6’4”	246	271	287
6’5”	253	278	295
6’6”	259	285	302
6’7”	266	292	310
6’8”	273	300	318
6’9”	280	307	326
6’10”	286	315	334
Maximum BMI	30	33	35

Best Life Insurance Weight Limits for Overweight Applicants- (Table Rated)- Male and Female (Unisex)

Below are the life insurance weight limits chart by health class for a male and female for overweight applicants. The table goes from Table 2 (B) to Table 6 (F). The table goes from 4’10” tall and 220 lbs to 6’11” tall and 450 lbs. The chart also shows the BMI from 41 to 45 and the health class.

Height	Table 2 (lbs)	Table 3 (lbs)	Table 4 (lbs)	Table 5 (lbs)	Table 6 (lbs)
4’10”	200	205	210	215	220
4’11”	207	212	217	222	227
5’00”	215	220	225	230	235
5’1”	222	227	232	238	243
5’2”	229	235	240	246	251
5’3”	237	242	248	254	259
5’4”	244	250	256	262	267
5’5”	252	258	264	270	276
5’6”	260	266	272	278	284
5’7”	268	274	280	287	293
5’8”	276	282	289	295	302
5’9”	284	291	297	304	311
5’10”	292	299	306	313	320
5’11”	301	308	315	322	329
6’0″	309	317	324	331	339
6’1”	318	325	333	341	348
6’2”	327	334	342	350	358
6’3”	336	344	352	360	368
6’4”	345	353	361	369	377
6’5”	354	362	371	379	387
6’6”	363	372	380	389	398
6’7”	372	381	390	399	408
6’8”	382	391	400	409	418
6’9”	391	401	410	419	429
6’10”	401	411	420	430	439
6’11”	411	421	431	440	450
Maximum BMI	41	43	43	44	45

Life Insurance BMI Chart (Male & Female)

Below is a sample BMI life insurance underwriting guideline chart from one of the top life insurance companies in the country. BMI limits are the same for both men and women. The table ranges from a BMI of 18 to 45.

BMI	Health Class
18-30	Preferred Best
18-33	Preferred
18-35	Standard
18-40	Table 2
18-45	Table 6

Maximum BMI for Life Insurance

BMI 30 or less- Preferred Plus health class

BMI 33 or less-Preferred health class

BMI 35 or less- standard health class

BMI 40 or less- Table 2 health class

BMI 45 or less- Table 6 health class

_{*Each company has their own BMI guidelines}

Life Insurance BMI Calculator

To instantly see your BMI just enter your height and weight on the BMI calculator below.

BMI life insurance calculator

Importance Of Life Insurance Height Weight Tables (Build Chart)

I spoke to a couple this week and the husband was a Preferred rating class with one top carrier due to his height and weight and a standard plus with the other top companies. The difference in premiums, just for a few pounds on the build chart from one company compared to the next best company was $40 a month for a $250k 30 year term!

Life Insurance By Height & Weight Price Examples

• A 35-year old male, 6’00 250 lbs is a select rate class. A $1 million 20 year term policy is: $63 month
• A 35-year old female, 5’4 200 lbs is a select rate class. A $1 million 20 year term policy is: $48 month
• A 40-year old male, 6’00 220 lbs (or less) is a preferred best rate class. A $1 million 20 year term policy is: $49 month
• A 40-year old female, 5’6” 185 lbs (or less) is a preferred best rate class. A $1 million 20 year term policy is: $40 month
• A 50-year old male, 5’10” 200 lbs (or less) is a preferred best rate class. A $500k 30 year term policy is: $127 month
• A 50-year old female, 5’4” 170 lbs (or less) is a preferred best rate class. A $500k 30 year term policy is: $95 month
• A 55-year old male, 5’9” 215 lbs is a preferred rate class. A $250k 20 year term policy is: $70 month
• A 55-year old female, 5’5” 190 lbs is a preferred rate class. A $250k 20 year term policy is: $52 month
• A 60-year old male, 6’1” 245 lbs is a preferred rate class. A $250k 20 year term policy is: $117 month
• A 60-year old female, 5’1” 165 lbs is a preferred rate class. A $250k 20 year term policy is: $84 month
• A 65-year old male, 5’11” 230 lbs is a preferred plus rate class. A $100k 20 year term policy is: $100 month
• A 65-year old female, 5’7′ 200 lbs is a preferred plus rate class. A $100k 20 year term policy is: $78 month

_{*Rates assuming no more than 10 lbs weight loss in the last 12 months. Is so half the weight will be added back on. Also, applicants are in excellent health, non-smoker. Build chart from Pacific Life. D.O.B. 1/10. Rates as if 1/15/2023.}

Understanding The Life Insurance Weight Limit Chart By Health Class

Preferred Best (Preferred Plus)- Top rate class

Preferred- Second Best Rate class

Standard Plus (Select)- Third best rate class

Standard- Average health class

Table 2 (B)- two health classes below average

Table 3 (C)- three health classes below average

Table 4 (D)- four health classes below average

Table 5 (E)- five health classes below average

Table 6 (F)- six health classes below average

No Medical Exam Life Insurance BMI

With the emergence of no medical exam life insurance offerings from top insurers and fintechs, it is now possible for those in average to good health but have a higher BMI to qualify for no-exam life insurance. In fact, one company that offers instant-decision, instant-approval term life insurance allows an applicants BMI to go up to 42 and still remain eligible. For more information on no medical exam, instant issue life insurance and eligibility, take a look at our article, Instant Approval Term Life Insurance Coverage.

Bottom Line

Choosing the life insurance company that will offer you the best rates based on your specific height and weight is extremely important when shopping for life insurance.

Unfortunately, checking the life insurance company’s build chart is too often overlooked by the applicant and also the agent. This ‘minor’ oversight can end up costing the insured thousands or tens of thousands of dollars over the course of the policy. And it is all due to just a few pounds on the build chart and not taking the time to choose the right company.

To secure the best life insurance rates in the country for your height and weight, give us a call and we’ll shop the nation’s top 12 life insurance companies for you. This will save you time and money. Also, there is no charge for our services, the same price you receive from us is the same price if you go to the insurance company directly.

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(FAQ) Frequently Asked Questions

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