I am just tall all over, but I think I have unusually long arms and fingers. I go 8.5 inches past my crotch in the front. When I was pregnant with my son the u/s tech asked which one of us had long arms because my son's arm to torso ratio was longer than average.
Twins! From my crotch it is exactly 8.5" but from like the bottom of my undies in the crease of my hip it is 13." But I am tall and my arms are fully in proportion.
I do have really long legs though and 8.5" down from my crotch is still upper thigh. I have a 36" inseam.
Average arms, long torso, short legs here. And I'm flexible. The result is that with my feet shoulder width apart I can bend at the waist and my elbows touch the ground.