Life Insurance for people with Weight Issues & Obesity
Insurance companies will calculate your Body Mass Index (BMI) to decide if you fall within their acceptable parameters. This is a correlation between your height and weight and is a guideline of your body fat percentage, although it can be argued this reading is not always accurate, eg. athletes who have a higher muscle content. Normally a BMI below 18.5 is classed as underweight and above 30 as obese.
Obesity is statistically recognised as an increased factor for many medical conditions, including some serious enough to be covered under a critical illness contract, such as heart attack, stroke and kidney failure.
There are variations between insurers regarding the classification of BMI statistics, and any increase in premium which may arise can be significantly different between them. Some insurers will automatically insist on a medical before offering terms, which could delay your application for cover.