There can be a connection between bmi and life insurance. When applying for life insurance, you'll definitely be asked about your height and weight. This isn't just so insurance carriers can get an idea of what you look like. It's so they can determine your Body Mass Index (BMI).
BMI is an important factor that underwriters consider when deciding whether to accept your life insurance application. If your application is accepted, your BMI is also a factor in calculating your monthly premium.

What is BMI?

BMI is a measurement of your weight with respect to your height. BMI is calculated by dividing your weight in kilograms divided by the square of your height in meters.
A healthy BMI ranges between 18.5 and 24.9. Anything under 18.5 is considered underweight and raises red flags, while 25 to 29.9 is considered overweight. Being slightly overweight is not enough of a reason for your insurance rates to spike, unless it's coupled with other complications like diabetes, high blood pressure and high cholesterol. A BMI above 30 is considered obese, and this is really where life insurance carriers will deliberate as to whether they'll accept your application.

Why is BMI So Important When it Comes to Life Insurance?

It's not your weight that matters per se, but the health risks that come along with being underweight, overweight or obese. When underwriters assess a life insurance applicant, they do so based on statistics collected from millions of people. Statistically, people who are very underweight or obese have a higher mortality rate. In the insurance world, this is grounds to either deny the application or approve the application for life insurance for high bmi, but at higher rates.
Other factors that underwriters consider when reviewing your application include:
Any pre-existing medical conditions
Whether you smoke
If you have any dangerous hobbies
Your family's medical history
Your age and gender

Shop Around, Win All-Around

Different life insurance carriers have different weight requirements, and usually people aren't denied coverage based on BMI alone. However, if you have other health complications your rates will be affected or possibly even denied.
This is when shopping around for life insurance can make a huge difference. It's the difference between being approved for life insurance and being denied, and it's also the difference between paying through the roof and getting a good deal.
How can you shop around for good life insurance rates? It's not like you have all the time and energy in the world, right? This is where Sproutt comes in.
Sproutt insurance advisors are available to help you determine what kind of life insurance is best for you. Simply answer a few questions and we will find the best-value plan for your lifestyle, needs and budget.