Summary

If you're overweight the life insurance companies use the Body Mass Index to decide whether to load your premium by up to 400%. What does the Body Mass Index mean to you? Read this article and find out.

Life Insurance premiums put the squeeze on fat people . Page 2

Author: Michael Challiner

When you apply for life insurance, your weight and height are just two of

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Life Insurance News

the many questions you have to answer. From this, your Body Mass Index is assessed and if it exceeds the insurers ( travel insurance ) acceptable limits, they might ask for a doctor's report. In larger cases they might also ask the applicant to have a medical examination. If this confirms that your weight is of genuine concern, then you can expect to have your premium loaded by at least 50% and as much as 400% at the heaviest end. In fact around 25% of applicants will experience problems getting life cover due to their weight. In extreme cases the insurer will even refuse your application.

But sometimes the insurers are a little flexible. In acknowledgement of normal middle age spread, they will take your age into account when assessing your BMI. Wonders of wonders - they do accept that people naturally put weight on as they age! But if you're young and overweight, they'll ( personal loans ) certainly hit you hard. So overweight and 38 will be loaded much more than overweight and 58.

For example, a 35 year old, healthy non smoking man who asks for £150,000 level life ( best mortgages ) insurance cover over 25 years will currently be quoted £18.77 by Scottish Provident - but this could easily leap to £35 if he's overweight and up to £47 if he's obese.

And over the last 20 years weight has been a growing problem. Today, more ( home insurance ) than 50% of women and 60% of men are judged as overweight. And looking at our children, the problem won't improve. In youngsters aged between 2 and 15, 28% of girls and 22% of boys were found to be overweight.

So if you have a BMI over 25 it's going to be especially important to get your life ( cheap car insurance ) insurance with as big a discount as possible. In our experience that means you'll have to shop on the Internet. Competition there is high and this has forced web sites to give clients very significant discounts.