Life Insurance for People who are Overweight
Life insurance company’s 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 you’re told you’d be “rated” or charged a higher rate for your life insurance due to your height and weight, we’ve 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 20 – 30 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 don’t see some of 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 guidelines are from a couple companies that make best offers for people who are overweight right now:
5’ 0” tall- 204 pounds
5’ 1” tall- 209 pounds
5’ 2” tall- 213 pounds
5’ 3” tall- 218 pounds
5’ 4” tall- 224 pounds
5’ 5” tall- 230 pounds
5’ 6” tall- 237 pounds
5’ 7” tall- 245 pounds
5’ 8” tall- 252 pounds
5’ 9” tall- 259 pounds
5’ 10” tall- 267 pounds
5’ 11” tall- 275 pounds
6’ 0” tall- 282 pounds
6’ 1” tall- 290 pounds
6’ 2” tall- 298 pounds
6’ 3” tall- 306 pounds
6’ 4” tall- 315 pounds
6’ 5” tall- 323 pounds
6’ 6” tall- 331 pounds
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 half of the weight that you lost. So they will consider you to be 10 pounds heavier than you actually are when you apply.
Most of these companies also order your medical records to verify health history, so they can find out about weight loss even if you don’t mention it.
We don’t like this procedure either, but all of the competitive companies do it.
We can get exceptions for some people who are overweight and we can sometimes get better rates than the norm if your health checks out as good otherwise.
So if cholesterol levels, blood sugar, blood pressure are good and your overall health is pretty good otherwise and you don’t smoke, we’ve been able to get some insurance companies to improve on their initial offer.
We always try to get everyone the absolute best rate possible!
Contact us or just run a quote request and give us your email and phone # and we’ll start the process of getting you the best life insurance rate possible.