Can I Get Life or Disability Insurance If I’m Overweight?

Jamie Articles

When you apply for disability insurance, they discern your risk of having a claim. If you are considered overweight, you may receive a rating, an additional premium assessed to your policy. Here is a scale showing the height weight chart. keep in mind that companies vary slightly but this is a good guideline.

HEIGHT AND WEIGHT GUIDELINES FOR LIFE AND DISABILITY INSURANCE

 

Height/Weight Chart

MALE

Height

Preferred
Plus

Pref NT & Pref T

Standard
Plus

Std
NT

Std
T

Feet

In

Low

High

Low

High

Low

High

4

8

83

126

82

137

81

150

>150

>137

4

9

85

131

84

142

83

155

>155

>142

4

10

88

136

87

147

86

160

>160

>147

4

11

92

141

91

153

90

166

>166

>153

5

0

96

146

95

158

94

171

>171

>158

5

1

99

150

98

163

97

177

>177

>163

5

2

103

155

102

168

101

182

>182

>168

5

3

107

160

106

173

105

188

>188

>173

5

4

110

164

109

178

108

193

>193

>178

5

5

114

169

112

183

111

199

>199

>183

5

6

117

174

116

188

114

205

>205

>188

5

7

121

179

119

193

118

211

>211

>193

5

8

123

184

122

199

120

216

>216

>199

5

9

128

189

126

204

125

222

>222

>204

5

10

130

195

129

210

127

228

>228

>210

5

11

134

200

132

215

131

234

>234

>215

6

0

137

205

136

221

134

240

>240

>221

6

1

142

211

140

227

137

246

>246

>227

6

2

145

217

144

234

142

253

>253

>234

6

3

149

222

147

240

145

260

>260

>240

6

4

152

228

151

246

149

266

>266

>246

6

5

157

234

155

253

153

273

>273

>253

6

6

161

240

159

260

157

280

>280

>260

6

7

165

245

164

266

162

287

>287

>266

6

8

169

250

168

272

167

294

>294

>272

6

9

174

255

173

278

172

301

>301

>278

FEMALE

Height

Preferred
Plus

Pref NT & Pref T

Standard
Plus

Std
NT

Std
T

Feet

In

Low

High

Low

High

Low

High

4

8

82

123

81

134

80

146

>146

>134

4

9

84

127

84

139

83

151

>151

>139

4

10

87

132

86

144

85

156

>156

>144

4

11

90

137

89

149

88

162

>162

>149

5

0

92

142

91

154

90

167

>167

>154

5

1

94

147

93

159

92

172

>172

>159

5

2

97

151

96

163

95

178

>178

>163

5

3

99

156

97

168

96

183

>183

>168

5

4

101

161

100

173

99

188

>188

>173

5

5

103

165

102

178

101

194

>194

>178

5

6

106

170

104

183

103

200

>200

>183

5

7

107

175

106

188

105

205

>205

>188

5

8

111

180

110

194

108

211

>211

>194

5

9

114

185

112

199

111

216

>216

>199

5

10

117

190

116

205

114

222

>222

>205

5

11

120

195

118

210

117

227

>227

>210

6

0

122

200

121

216

120

233

>233

>216

6

1

126

206

124

222

123

239

>239

>222

6

2

128

211

127

229

126

245

>245

>229

6

3

132

217

131

235

129

251

>251

>235

6

4

136

223

134

242

132

258

>258

>242

6

5

139

229

137

248

136

264

>264

>248

6

6

143

235

141

255

139

270

>270

>255

If you purchase a policy and are rated, the company may allow you to try again after a year to reduce your rate. They like you to not only be within the normal weight range but to keep the weight off for at least 12 months.
For more information about weight and life or disability insurance or to request a quote, contact Set for Life Insurance today!
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