Life insurance adult build tables

Our adult build tables are a guideline to help predict whether a Client will be approved for standard rates or not.

The minimum rateable weight for build alone is 150% mortality and the maximum rateable weight is 350%. Adults whose build falls within the borderline zone column may be accepted standard or rated, depending on their overall risk profile. Adults who have other risk factors such as high blood pressure, high cholesterol, diabetes, or sleep apnea may be accepted with a higher rating than shown in the tables or declined. Adults whose build falls below the minimum weight of the build tables below will be rated or declined as well.

Body Mass Index (BMI)

BMI (Body Mass Index) is a ratio of weight to height. A healthy BMI score, for adults, is between 20 and 25. A score between 25 and 30 indicates an overweight build which may result in an increased risk of associated illness. A BMI over 30 indicates obesity with a significant increased risk of heart disease, hypertension, diabetes and other associated illnesses. A BMI under 17 is considered underweight.

Adult build table - males and females (pounds)

Height

Average
Weight
(Standard)

Borderline zone
Standard to 150% (Std to rated D)

Rateable
150% to 350%
(table D to N)

Declined if weight exceeds:

FT IN

Weight (lbs)

Weight (lbs)

Weight (lbs)

Weight (lbs)

4'8''

76 - 147

148 - 160

161 - 223

223

4'9''

79 - 152

153 - 166

167 - 231

231

4'10''

82 - 158

159 - 172

173 - 239

239

4'11''

84 - 163

164 - 178

179 - 247

247

5'0''

87 - 169

170 - 184

185 - 256

256

5'1''

90 - 174

175 - 190

191 - 264

264

5'2''

93 - 180

181 - 197

198 - 273

273

5'3''

96 - 186

187 - 203

204 - 282

282

5'4''

99 - 192

193 - 210

211 - 291

291

5'5''

102 - 198

199 - 216

217 - 300

300

5'6''

106 - 204

205 - 223

224 - 310

310

5'7''

109 - 211

212 - 230

231 - 319

319

5'8''

112 - 217

218 - 237

238 - 329

329

5'9''

115 - 223

224 - 244

245 - 338

338

5'10''

119 - 230

231 - 251

252 - 348

348

5'11''

122 - 236

237 - 258

259 - 358

358

6'0'

125 - 243

244 - 265

266 - 369

369

6'1'

129 - 250

251 - 273

274 - 379

379

6'2'

133 - 257

258 - 280

281 - 389

389

6'3'

136 - 264

265 - 288

289 - 400

400

6'4'

140 - 271

272 - 296

297 - 411

411

6'5'

143 - 278

279 - 304

305 - 422

422

6'6'

147 - 286

287 - 311

312 - 433

433

6'7'

151 - 293

294 - 320

321 - 444

444

6'8'

155 - 300

301 - 328

329 - 455

455

6'9'

159 - 308

309 - 336

337 - 467

467

BMI

17-33

33.1 - 36

36.1 - 50

>50

Adult build table - males and females (kilograms)

Height

Average
Weight
(Standard)

Borderline zone
Standard to 150% (Std to rated D)

Rateable
150% to 350%
(table D to N)

Declined if weight exceeds:

CM

Weight (kgs)

Weight (kgs)

Weight (kgs)

Weight (kgs)

142

35 - 66

67 - 72

73 - 101

101

145

36 - 69

70 - 75

76 - 105

105

147

37 - 71

72 - 78

79 - 108

108

150

38 - 74

75 - 80

81- 112

112

152

40 - 76

77 - 83

84 - 116

116

155

41 - 79

80 - 86

87 - 119

119

157

42 - 81

82 - 89

90 - 124

124

160

44 - 84

85 - 92

93 - 128

128

163

45 - 87

88 - 95

96 - 132

132

165

47 - 90

91 - 98

99 - 136

136

168

48 - 92

93 - 101

102 - 141

141

170

50 - 95

96 - 104

105 - 144

144

173

51 - 98

99 - 107

108 - 149

149

175

52 - 101

102 - 110

111 - 153

153

178

54 - 104

105 - 114

115 - 158

158

180

56 - 107

108 - 117

118 - 162

162

183

57 - 110

111 - 120

121 - 167

167

185

59 - 113

114 - 124

125 - 172

172

188

61 - 116

117 - 127

128 - 176

176

191

62 - 119

120 - 130

131- 181

181

193

64 - 123

124 - 134

135 - 186

186

196

65 - 126

127 - 138

139 - 191

191

198

67 - 129

130 - 141

142 - 196

196

201

69 - 133

134 - 145

146 - 201

201

203

71 - 136

137 - 149

150 - 206

206

206

72 - 139

140 - 152

153 - 212

212

BMI

17-33

33.1 - 36

36.1 - 50

>50