1. Jerry Vanderzanden, CLU, ChFCPRO
    Co-Founder, Coastal Financial Partners Group, California
    Body Mass Index (BMI) does impact the premium for life insurance. BMI or simply the height and weight of the proposed life insured is a key factor in preferred risk guidelines. Favorable height and weight combinations can mean preferred rates. Average combinations will mean standard rates as a starting point for underwriting. Unfavorable combinations may mean substandard rates at best.

    Height and weight charts can vary significantly by life insurer. An independent life insurance professional can survey a wide variety of insurers to help you select the best ones to apply with for the best possible outcome.
    Answered on May 18, 2013
  2. Peggy MacePRO
    President and Senior Agent, Outlook Life, Most of the U.S.
    BMI (Body Mass Index) numbers between 18 and 50 are the outer minimum and maximum parameters of what most life insurance companies will cover with a medically underwritten policy. If a person is extremely underweight or malnourished (BMI under 18.5) or morbidly obese (BMI over 40), there are simplified issue policies for nearly every BMI, depending on one's age and state of residence.

    For those with normal BMI, life insurance rates will be in the Preferred range as long as everything else is Preferred. For those who are overweight, the BMI will be part of the determination in what rating to give, along with other health factors.
    Answered on May 18, 2013
  3. HDA Insurance BrokeragePRO
    Director, HDA Insurance Brokerage, California
    Although Body Mass Index (BMI) is not one of the primary underwriting factors,  it is directly connected to the Height and Weight parameters which are always primary items that are asked on an application for health insurance.  An applicant that has a higher than normal BMI would be assumed to be overweight;  whereas an applicant with a lower than normal BMI would be assumed to be under nourished.  Both of these situations would be deemed as a greater than normal risk to carrier;  should this condition exist,  the applicant may be better off with an non-underwritten (guaranteed issue) life insurance policy.   

    For a health insurance quote and/or application, you may follow the link:  http://www.HDAinsurance.com/health.html
    Answered on May 19, 2013
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