An armored shirt with contoured body armor selectively inserted into contoured armor pockets. Front and rear portions are connected along lateral edges. Shoulder portions connect upper portions of the front and rear portions, and neck and left and right arm openings are defined by the front, rear, and shoulder portions. Contoured armor pockets are formed in the front and rear portions with inner and outer layers of material joined to define a contoured edge shape while leaving a pocket opening. The contoured edge shapes of the body armor and the armor pocket correspond with both spanning from under the left arm opening to under the right arm opening. The edge shape of the pocket and the armor can include lateral inwardly arcuate upper narrowing underarm portions adjacent to the arm openings and a central inwardly arcuate upper portion therebetween bounded by the neck opening.