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Extra Pounds, Higher Rates

Did You Know?

The cost of life insurance relies on a number of factors, but none carry a greater weight than, well – your weight. Because underwriters see overweight or obese applicants as high-risk, many will deny requests for coverage or simply charge life insurance rates that are extremely high. Read on to learn more about why size matters.

Most insurance companies will judge how much body fat you’re carrying by calculating your body mass index (BMI).

  • By using your height and your weight in this calculation, they can determine whether applicants are overweight or obese.
  • A BMI between 25 and 29.9 is considered overweight.
  • A BMI over 30 is considered obese.

If an applicant’s BMI is very low (under 18.5), at the point of being underweight or malnourished, their life insurance rates can still increase substantially as well.

Not only will you have to spend more on life insurance, being overweight or obese puts you at risk for conditions like coronary heart disease, Type 2 diabetes, high cholesterol and many more.

Use the following tips to achieve well-balanced diet and a healthy body.

  • Avoid high fat foods that contain large amounts of calories.
  • Monitor your caloric intake. Your ideal daily calorie needs will depend greatly on your age, body size, gender and activity level.
  • Visit to learn more about healthy eating habits that will keep you trim and well.

Healthy Hints

The Centers for Disease Control and Prevention reports that nearly 35 percent of American adults are classified as obese, putting them as “high risk” to life insurance providers. Find the lower life insurance rates you desire by maintaining a balanced diet and exercising regularly.


By Zywave, Inc.