Do life insurance policies have weight limits?

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Asked July 13, 2010

1 Answer


Three of the pieces of information you will be asked on your life insurance application are your age, weight and height. Insurance companies do this to allow them to calculate your BMI, or Body Mass Index. If this numbers falls outside of a specific weight range for your size and age group, your premiums will increase proportionately to the overage. The increase range from about 50 percent of the basic premium cost to more than 400 percent. In extreme instances you can be denied coverage at all.

Age is a consideration for weight limits on life insurance policies. Insurance companies understand that a person tends to put on some weight as they age, and have set up tables to accommodate for these increases. Because of this, you will be penalized far more for being overweight and in your 30's than if you weigh the same thing and are another 20 years older.

To calculate your own BMI, multiply your weight in pounds by 700. Divide that number by your height measured in inches. Divide the result by your height in inches again. The resulting number is your calculated Body Mass Index used by insurance companies to determine whether you are over the estimated weight limits of any policies they might apply to.

For insurance companies, obesity has become a tremendous liability in recent decades. More than 50% of all American adults are overweight, and nearly a third of them are considered obese. Even children are falling into the same weight control problems, with as much as a third of all children weighing more than the accepted standards.

Answered July 13, 2010 by Anonymous

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