Prudential's 2017 Height‑Weight Chart Overview
Prudential's 2017 underwriting guidelines include a height‑weight chart that matches an applicant's measurements against standard weight ranges to assess risk. The chart assigns a rating from "Preferred" to "Substandard" based on how closely the applicant's weight aligns with the ideal weight for their height. Being within the preferred range can lower premiums, while deviations may lead to higher rates or additional medical evidence.
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How the Chart Impacts Your Application
The chart is used during the medical underwriting process. If your weight falls within the preferred band, the insurer typically classifies you as a standard risk. Weights above or below the recommended range may trigger a rating adjustment, requiring further health information such as recent blood work, physician statements, or lifestyle disclosures. Consistency across multiple measurements (e.g., recent doctor visits) can mitigate rating impacts.
Locating the Official 2017 Chart
The definitive chart is published in Prudential's 2017 underwriting manual, which is available to agents and can be requested from Prudential's broker portal or the company's underwriting department. Some agents also provide a printable copy during the application process. If you cannot access the manual directly, ask your agent for the specific height‑weight table relevant to the policy type you are considering (term, whole life, etc.).
Typical Height‑Weight Ranges (Illustrative)
| Height (inches) | Preferred Weight (lb) | Acceptable Range (lb) |
|---|---|---|
| 60 (5′0") | 115‑125 | 100‑135 |
| 64 (5′4") | 130‑145 | 115‑160 |
| 68 (5′8") | 150‑165 | 135‑185 |
| 72 (6′0") | 170‑185 | 155‑210 |
These figures are representative of the 2017 chart's structure; exact numbers may vary slightly by policy class. Always verify with the current official source.
What to Check Before Submitting Your Application
- Confirm your most recent, accurate height and weight measurements.
- Compare your numbers to the chart to anticipate possible rating adjustments.
- Gather any recent medical records that explain weight fluctuations (e.g., recent surgery, medication side effects).
- Discuss with your agent whether a medical‑exemption or simplified issue option is available if your weight falls outside the preferred range.
Key Takeaways
Prudential's 2017 height‑weight chart serves as a baseline for underwriting risk. Staying within the preferred weight band can streamline approval and keep premiums lower. When your measurements fall outside that band, be prepared to provide additional health documentation. Always obtain the official chart from a licensed Prudential representative to ensure you're using the most accurate data for your situation.