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The more you weigh, the more you pay
Being overweight can cost you a pretty penny on your life insurance. Insurance company use
height and weight guidelines to determine what premium class an individual will qualify for.
These guidelines provide a desired weight for male and females bases on their height.
Each premium class has a certain height and weight maximum you must be below to qualify for
that given rate class. If you are above the maximum, you will be dropped to the next appropriate
premium class.
Studies from the American Medical Association show that being overweight has a correlation to
health problems. Matter of fact, according to a recent study published in the Journal of the
American Medical Association, excess weight is linked to 280,000 deaths in the U.S. annually.
Insurance companies decided that if individuals are overweight, they will likely have other health
issues, such as, high cholesterol or blood pressure readings. Even if you are 10 lbs. over the
insurance company's desired height/weight chart, you will be given a higher rate.
Below is a chart showing the desirable weights for males and females published by the American Medical Association:
Desirable weight range
| Men | Women | Men | Women | Men | Women | Men | Women |
| 5'1" | 4'9" | 123-129 | 99-108 | 126-136 | 106-118 | 133-145 | 115-128 |
| 5'2" | 4'10" | 125-131 | 100-110 | 128-138 | 108-120 | 135-148 | 117-131 |
| 5'3" | 4'11" | 127-133 | 101-112 | 130-140 | 110-123 | 137-151 | 119-134 |
| 5'4" | 5'0" | 129-135 | 103-115 | 132-143 | 112-126 | 139-155 | 121-137 |
| 5'5" | 5'1" | 131-137 | 105-118 | 134-146 | 115-129 | 141-149 | 125-140 |
| 5'6" | 5'2" | 133-140 | 108-121 | 137-149 | 118-132 | 144-163 | 128-144 |
| 5'7" | 5'3" | 135-143 | 111-124 | 140-152 | 121-135 | 147-167 | 131-148 |
| 5'8" | 5'4" | 137-146 | 114-127 | 143-155 | 124-138 | 150-171 | 134-152 |
| 5'9" | 5'5" | 139-149 | 117-130 | 146-158 | 127-141 | 153-175 | 137-156 |
| 5'10" | 5'6" | 141-152 | 120-133 | 149-161 | 130-144 | 156-179 | 140-160 |
| 5'11 | 5'7" | 144-155 | 123-136 | 152-165 | 133-147 | 159-183 | 143-164 |
| 6'0" | 5'8" | 147-159 | 126-139 | 155-169 | 136-150 | 163-187 | 146-167 |
| 6'1" | 5'9" | 150-163 | 129-142 | 159-173 | 139-153 | 167-192 | 149-170 |
| 6'2" | 5'10" | 153-167 | 132-145 | 162-177 | 142-156 | 171-197 | 152-173 |
| 6'3" | 5'11" | 157-171 | 135-148 | 166-182 | 145-159 | 176-202 | 155-176 |
Source: American Medical Association
What All Pilots Should Know When Applying For Life Insurance
1. Work with an aviation experienced insurance agent
2. Know the aviation guidelines before submitting an application
3. Complete the insurance aviation supplement form correctly
All-Around Tips When Applying For Life Insurance
1. How to have a better medial exam
2. Disclose your complete medical history to the insurance company
3. The low-down on smoking rates
4. The more you weigh, the more you pay
5. Conclusion
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