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Do life insurance companies factor in a person's BMI when determining eligibility and premiums?
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Yes, life insurance companies often consider a person's BMI when determining eligibility and premiums. BMI, or body mass index, is a measure of body fat based on height and weight that applies to adult men and women. It is used as a screening tool to identify possible weight problems in adults. High BMI can be an indicator of potential health risks, such as obesity, which can lead to various health issues. As a result, individuals with a high BMI may be considered higher risk by life insurance companies, which can impact their eligibility and the cost of premiums. Some insurance companies may have specific BMI thresholds that affect eligibility and pricing, while others may use BMI as one of several factors in their underwriting process. It's important to note that each insurance company may have its own guidelines and criteria for evaluating BMI and its impact on life insurance. Therefore, individuals with higher BMIs may face higher premiums or even potential limitations on coverage. It's advisable for individuals with concerns about how their BMI may affect their life insurance to consult with insurance providers or agents to understand the specific impact on their coverage and premiums.
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