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!
