Build chart standards are the height-and-weight tables that life insurers use to classify applicantsTM body build as preferred, standard, or substandard for underwriting. Each carrierTMs build chart sets allowable weight ranges for given heights, sometimes adjusted for gender or frame, and may vary by product or tobacco status. Exceeding build standards can move an applicant from preferred to standard or trigger table ratings, reflecting the increased mortality risk associated with obesity and, at extremes, very low body mass. Build charts may also interact with other risk factors such as blood pressure, cholesterol, and diabetes to determine final classes.

Underwriters reference build chart standards on virtually every life case, quickly checking whether an applicantTMs height and weight fit preferred ranges. Advisors use build information during pre-qualification conversations, often asking clients for their height and approximate weight before illustrating preferred classes. Some carriers offer more liberal build charts, particularly on older-age or permanent products, creating opportunities for competitive shopping. Advisors may recommend weight loss before formally applying when build is significantly outside preferred ranges. Understanding build chart standards helps advisors set realistic expectations, choose carriers strategically, and avoid preferred-class illustrations that are unlikely to be achieved.