Ed Hinerman On Life Insurance

Does your build affect your life insurance quote?

March 10th, 2007

Probably one of the most common surpises and points of contention in life insurance underwriting is when, even though your health is perfect, your life insurance quote changes after you apply because your height and weight (build) weren’t exactly what they thought they were. For that reason, rather than telling your independent insurance agent what you think your height and weight might be, step gently on those scales, get a grip on reality, and an accurate quote up front.

Here is a sample from a middle of the road company. These are their build guidelines for their best rate. Honestly most companies are within a few pounds of this. Some are stricter and some more lenient, but count on them to adhere to it especially if you want their best rate class.

Male Preferred Plus Build Chart Height PPNT 5′ 0″ 144 5′ 1″ 148 5′ 2″ 153 5′ 3″ 158 5′ 4″ 163 5′ 5″ 168 5′ 6″ 174 5′ 7″ 179 5′ 8″ 185 5′ 9″ 190 5′ 10″ 196 5′ 11″ 201 6′ 0″ 207 6′ 1″ 213 6′ 2″ 219 6′ 3″ 225 6′ 4″ 230 6′ 5″ 237 6′ 6″ 243 6′ 7″ 249 6′ 8″ 256 6′ 9″ 262 6′ 10″ 268 6′ 11″ 276

Female Preferred Plus Build Chart Height PPNT 5′ 0″ 135 5′ 1″ 138 5′ 2″ 140 5′ 3″ 143 5′ 4″ 145 5′ 5″ 148 5′ 6″ 150 5′ 7″ 155 5′ 8″ 160 5′ 9″ 165 5′ 10″ 170 5′ 11″ 175 6′ 0″ 180 6′ 1″ 184 6′ 2″ 188 6′ 3″ 193 6′ 4″ 197 6′ 5″ 201 6′ 6″ 205 6′ 7″ 209 6′ 8″ 214 6′ 9″ 218 6′ 10″ 222 6′ 11″ 226

Related Posts

• When it all comes down to the shape you’re in!
• The size of your bones won’t help your life insurance rates!!
• Biggest Loser Dropping Pounds And Life Insurance Rates!
• The Answer To A Biggest Loser Question
• Where’s The Beef??

Entry Filed under: Build, Independent agent, insurance, insurance quotes, life insurance