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Does Body Mass Index (BMI) impact life insurance?

Does Body Mass Index (BMI) impact life insurance?

Body Mass Index (BMI) uses your height and weight to attempt to determine how healthy you are. The ideal BMI for you will depend on your gender, age group, height and other factors. It is not a one-size-fits-all measuring tool. However, it is a popular metric used by many health professionals and life insurance providers. 

So in short, yes, your BMI can impact your life insurance. This is especially true if your BMI is high as this can suggest that you are overweight. This can come with complications and make you more likely to claim on your life insurance. Therefore, it is likely that you may have larger costs if you have a high BMI. Especially if this causes health complications. It is rare that someone would be denied life insurance outright solely based on their weight or BMI. 

However, this is not always the case. If you have never experienced any health complications as a result of your weight and have no other pre-existing conditions, then it is highly possible that you would receive life cover as standard. Therefore you would have no extra premiums or conditions just because of your BMI. 

To get an accurate quote tailored to your specific circumstances, visit our website. You can compare the life insurance options available to you and connect with one of our trusted partners by filling in our simple form.

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