Life Insurance premiums rise by the pound

But over the last year its got even worse. In moves to tighten the belts further, the life insurance companies are lowering their weight limits when categorising people. This means ( home insurance quotes ) that those who are merely overweight and would previously qualified for a normal premium, now are penalised with higher premiums - and the premiums rise rapidly the more overweight you are.

Weight and height are two of the questions you complete when you apply for life ( online car insurance ) insurance. From the answers, the life company will calculate your Body Mass Index and if that exceeds the limits they define as normal, they will often ask for a report from you doctor and sometimes ask you to have a medical examination. If this confirms that your weight is over their norm, then you can expect your premium to be loaded by at least 50% and rising up to 400% if youre obese. Recent figures show that around a quarter of applicants will experience problems getting life insurance due to their weight. In extreme cases theyll even refuse to provide cover. (cheap home insurance)

When deciding whether to load you the insurers also take your age into ( medical insurance ) account. If youre young and overweight, theyll hit you hardest. They accept that people naturally tend to put weight on as you age. So overweight and 35 will be hit harder than overweight and 55. (car insurance quotes)

Click here for page 2