| Height and Weight Guidelines | |||
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Height & Weight are important risk factors that insurance companies use to determine your rate class. * Bench Mark Guidelines This table can be used for both male and female insures. Once again they are general in nature, but do represent the allowable maximums for either Preferred Plus, Preferred, or Standard rates from most companies. If your weight exceeds the maximum shown here, use Standard rates in calculating your quote. |
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| Height | Maximum Weight | ||
| Preferred Plus | Preferred | Regular/Standard | |
| 4'10" | 137 | 144 | 169 |
| 4'11" | 141 | 149 | 175 |
| 5' 0" | 145 | 154 | 189 |
| 5'1" | 149 | 159 | 193 |
| 5' 2" | 153 | 164 | 197 |
| 5'3" | 158 | 169 | 204 |
| 5'4" | 162 | 175 | 209 |
| 5'5" | 166 | 180 | 215 |
| 5'6" | 170 | 186 | 220 |
| 5'7" | 176 | 192 | 225 |
| 5'8" | 182 | 197 | 230 |
| 5'9" | 188 | 203 | 235 |
| 5'10" | 193 | 209 | 242 |
| 5'11" | 199 | 215 | 251 |
| 6'0" | 205 | 221 | 256 |
| 6'1" | 211 | 227 | 263 |
| 6'2" | 216 | 234 | 271 |
| 6'3" | 222 | 240 | 279 |
| 6'4" | 227 | 246 | 286 |
| 6'5" | 233 | 253 | 293 |
| 6'6" | 238 | 260 | 300 |
| 6'7" | 243 | 266 | 307 |
| 6'8" | 249 | 273 | 316 |
| 6'9" | 254 | 280 | 325 |
| 6'10" | 260 | 287 | 333 |
| 6'11" | 265 | 294 | 341 |
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The following tables, Height and Weight
Guidelines and
Medical
Guidelines, offer basic guidelines as to how most companies will
classify you (preferred plus, preferred, standard) based on medical and
personal issues. If you do not meet one or more of the requirements listed
in the preferred or preferred plus columns, please select Standard
classification when calculating your quotes. IMPORTANT: Even if you apply as a standard or preferred risk, our companies will offer you their very best possible rates (preferred, preferred plus ) whenever possible. Generally a simplified physical exam is required to obtain most types of term life insurance. The physical exam can be completed at your home or other convenient location. The exam generally takes only about 15-30 minutes and is conducted by a licensed paramedical or medical doctor. The exam generally involves a blood and urine specimen, blood pressure reading, height and weight measurements, and a series of questions regarding your medical history will be asked If you have questions, please contact us and we will provide you with additional information. |
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| ** Your classification will ultimately be determined by the underwriting insurance company. Actual requirements will vary slightly from company to company. | |||