Life Insurance with a high BMI

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October the 11^th is World Obesity Day, it's a day to spread awareness of the growing issue in the world. Many people take to social media to call for large corporations and governments to do more.

More than one-third of British adults are considered to be obese and more than 1 in 20 adults have extreme obesity. A study showed that in 2015 the UK had the fifth highest rate of obesity in Europe.

Because of this, we have decided to write an article helping people understand what BMI (Body Mass Index) is and why it is important when it comes to getting Life Insurance.

In recent years there have been stories of people being refused for Life Insurance because there have been classed as obese due to their BMI. So let’s start there with what exactly BMI is and how it's measured.

What is Body Mass Index (BMI)

It’s really simple, your BMI is your weight (in kilograms) divided by height (in metres) then from that answer you divide your height again to get your BMI.

The number you are then left with will fit into one of the following categories.

These are common brackets used across the board for deciding what heading you come under.

• Underweight = less than 18.5
• Normal weight = 18.5 – 24.9
• Overweight = 25 – 29.9
• Obese = 30 or greater

Insurers use BMI to help them decide how much your premiums will be. BMI is used as an indicator for Life Insurance providers to see how ‘at risk’ a possible client could be.

A high BMI score could mean someone is overweight which might mean they might be at risk from serious illnesses like diabetes which in turn could reduce their life expectancy.

What is the Cost of Life Insurance for someone that is overweight

So if your BMI is more than 30 but less than 33 you can expect to pay 25% more than what a standard monthly premium could be.

To put that into perspective if the normal premium was £10.00 you could expect to pay £12.50 per month instead.

If you’re BMI is more than 33 many insurers will still be able to offer you a policy but as they would see the risk as being higher your premiums would also go up.

Quick Quote life has a team of qualified advisers ready to help you now.

Our advisers will ask you a few questions so that they can find the right Life Insurance policy for you and your loved ones.

Our premiums are guaranteed so once you have Life Insurance at no point in the future will you policy be reviewed. Because of this it’s more affordable to get Life Insurance when you’re young and fit.

How to reduce your Life Insurance Premiums

If you have a high BMI the most effective way to reduce the cost of your Life Insurance Premiums is to reduce your BMI by making changes to your lifestyle this could be exercising more and or eating healthier.

Where we come in?

At Quick Quote Protect we believe that everybody should be given the opportunity to get Life Insurance to make sure their loved ones are looked after if something were to happen.

We will do our upmost to find a policy that is right for you.

Quick Quote Protect Limited are independent Life Insurance experts that search the whole market for the best policy for you and your budget.

Contact us now for a free no obligation quotation