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Life insurance companies height and weight guidelines can make it difficult for many people to qualify for Preferred Plus or Preferred rates. Even the guidelines to qualify for Standard or Regular rates can make it difficult for many people to qualify for these rates also.
Height and weight and cholesterol are the number one and two reasons most people don't qualify for better insurance rates.
So if youre told youd be rated or charged a higher rate for your life insurance due to your height and weight, weve got great news for you!
There are a few companies right now that make much better offers for people who are overweight than the majority of the competitive insurance companies.
These companies that are better for people who are overweight allow people who weigh 40 60 pounds more than most other companies would allow to still qualify for their Standard or Regular rates.
The unusual thing to us about these companies that make the best offers for people who are overweight is that we dont see these companies showing up on most of the popular life insurance quoting websites.
Below are just some of the heights/weights that can still qualify for Regular or Standard life insurance rates. These are from one of the companies that makes best offers for people who are overweight right now:
If your weight is over the above guidelines, you can still qualify for life insurance. We will have to shop our database for the best rates available to you depending on your exact height and weight and other health history.
BEWARE when trying to drop weight just prior to applying for life insurance. Insurance companies like to see a stable weight for 1 full year and weight gain or loss is a question on all insurance exams.
So if you tell the examiner you lost 20 pounds in the past year, the competitive companies will debit you 10 pounds or half of the weight that you lost in past 1 year. Most of these companies also order your medical records to verify health history, so they can find out even if you don't mention it.
Contact us or just run a quote request and give us your email and phone # and well start the process of getting you the best life insurance rate possible.
