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  • Body build is key for life insurance premium
  • June 17, 2015
  • A pair of female feet on a bathroom scaleBy LifeQuotes.com

    A life insurance company will access your entire health profile when underwriting you for an insurance policy, which is why you need to provide information regarding your health history, any current medications and hazardous recreational activities.

    In fact, an applicant’s build – the relationship between height and weight – is one of the key determinants insurance companies will use to determine their risk classification.

    To be considered for the best possible rates, it is important to keep your height to weight ratio at or near the ideal range for your body type – also known as your Body Mass Index (BMI).

    The National Institutes of Health provides a free online BMI calculator, which will generate your BMI number for you.

    Your number will be grouped into one of five risk categories – underweight, normal, overweight, obese and morbidly obese.

    BMI < 18.5 is underweight

    BMI 18.5 to 25 is normal

    BMI 25 to 30 is overweight

    BMI > 30 is obese

    BMI > 40 is morbidly obese

    Insurance rates may be less expensive for women as they have longer life expectancies than men as recent studies have shown that women outlive men by an average of five years. This is because women tend to develop health conditions – such as cardiovascular disease – in their 70s and 80s, where men develop them in their 50s and 60s.

    However, life insurance rates are determined on a case-by-case basis, so it is still possible for a man to secure a lower rate than his female counterpart.

    The following page features a build chart from a reputable insurance company.

    Pages: 1 2

  • Category: Articles Library, Health Insurance, Life Insurance, Medical News

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Consumer Insurance Guide SM provides a wide selection of originally-authored articles and expert advice targeted to the self-directed insurance shopper. Our mission is to provide consumers with useful, money-saving information on all things having to do with making sound insurance purchase decisions.

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