- How weight affects life insurance rates
- February 11, 2014
Women at risk
If you are an obese female, you are unfortunately at higher risk for endometrial, breast and colon cancer.
“Adult females seem to be impacted more by obesity than males when it comes to certain cancers,” said Behan. “There hasn’t been a link between prostate cancer and obesity.”
Some experts believe BMI is not the best way to measure obesity. Behan said life insurance companies would not use BMI as a sole measurement, but would also take into account things like family history and body fat percentage.
“It is possible for a person to have an ‘unhealthy BMI’ because they are very muscular, but in a general population, this is an exception to the rule and BMI is a good standardized tool to gauge healthy weight,” said Behan.
If you would like to know your BMI, you can check out the National Heart Lung and Blood Institute’s free Body Mass Index Calculator.
To get low cost life insurance and avoid potentially devastating medical bills in the future, the answer is fairly straightforward: a healthy diet, exercise and a healthy weight are the best way to go. If you join a wellness program at work or hire a personal trainer to lose weight, document your progress and tell your insurer. This will help your agent fairly evaluate your current health status, and potentially land you in a lower rate category. Keep in mind, folks who are underweight can also be charged higher rates for insurance, said Redpath. The key to getting good rates is obtaining a healthy bodyweight.Pages: 1 2 3
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