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The table is fairly generic but gives a general idea of the allowable maximums for the best life insurance rate classes from most companies if. Bmi is a fairly reliable indicator of body fatness for most people.
Height and weight underwriting guidelines are important factors that life insurance companies use to help determine your rate class.
Life insurance bmi chart. Life insurance weight charts. Ideal weight for height. Why life insurance companies use bmi when assessing insurance applications.
Life insurance companies publish build charts in the underwriting guidelines made available to insurance agents. There are 5 things to know about how your weight relates to life insurance. Body mass index bmi is a simple index of weight to height that is commonly used to classify overweight and obese adults.
Life insurance underwriting is the business of assessing risk based on the collective data of millions of people. Because weight and obesity are often high risk statistics that can predict many issues ranging from heart disease to diabetes a person with an average bmi will statistically live longer than a. Body mass index bmi calculator.
Additionally bmi is an inexpensive and easy to perform method of screening for weight categories that may lead to health problems. Most life insurance companies now frame their underwriting requirements in terms of bmi. Those that fall in the extremes are more likely to have additional health concerns.
Discounts of up to 10 available. These are guidelines and may differ among life insurance companies. When applying for life insurance you want to pay attention to bmi extremes the most underweight and obese.
Lets look at the general categories. Body mass index bmi is a number calculated from a persons weight and height. Bmi between 25 and 299.
5 things to know about weight and life insurance. While many companies still use heightweight charts more and more companies have begun switching to the use of bmi charts. Calculate your body mass index bmi.
The world health organisation who have set the following bmi ranges. Theres a measurement called the body mass index bmi that most life insurance companies use during underwriting process of assessing a persons risk for life insurance. Bmi between 30 and 39.
First if your bmi is under 185 youre usually considered underweight. Were affiliated with more than 30 of the top life insurance carriers in the marketplace and can customize the coverage and the cost to provide you and your loved one with peace of mind. Bmi less than 185.
At insurance geek we do all of the shopping for you and we know every insurance companies height and weight chart. Life insurance companies look at your weight to calculate your life insurance cost because a persons build is a major risk factor for mortality. Bmi between 185 and 249.
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