life insurance obese
Have you filed an application for life insurance recently? There is a small box that strikes fear in the heart of the "slightly overweight". Simply asks to indicate their weight. Do you go directly to the balance, stripping the state of nudity and agitated about the scales, trying to identify the lowest mark in the indicator? No, I thought, you probably have a vague and more optimistic to assume, to write quickly and move to the next question. Most of us do. Not really cheating. You know you're going to lose soon, before Christmas / Holidays / the wedding. Hopefully!
Now one of the biggest names in Britain in life insurance, ie, Scottish Provident, in an effort to obtain greater precision in the development of risk factors, has added yet another innocent question, ie When did you last weigh yourself? Mindful of the fact that many people are aware of their own weight and tend to forget the odd few pounds gained since it resides in an effort to get cheaper premiums.
Scottish Provident, rightly concerned, they are told the truth. The UK government are taking obesity seriously and has recently announced that almost a quarter of us are overweight, and is considered by Cancer Research UK, which about a quarter of these are not interested in losing weight. We are the second only to Greece in the levels of obesity as a nation.
The definition of obesity is based in the Council of the British Medical Association, the Body Mass Index (BMI). For this you need to know your height in meters, then multiply by the same figure. Take the result of this and are divided by weight using kilograms. This gives your body mass index, which can be used to indicate if you are underweight, normal, overweight or obese. It will, however, overestimate fatness in people who are muscular or athletic. These figures are for adults.
BMI categories
· Underweight = below 18.5
· Normal weight = 18.5 to 24.9
· Overweight = 25 to 29.9
· Obesity = BMI of 30 or more
In a recent study of 33,000 adults reported in the Lancet, the figures for normal weight, were agreed and there was a suggestion that adult patients was only with a BMI of 35 or more present a serious decline in life expectancy.
Most of the life insurance industry has accepted a level of BMI of 30, what seems fair and even generous. For anyone with a BMI over 30 is loaded and your premium might even be asked to take a medical examination. This means that if you are overweight can find their critical illness or life insurance premiums could increase by 50% and it seems likely that for some, coverage may be declined.
It is a risky business!
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Article Source: ArticlesBase.com – Life Insurance – Outweighing The Benefits?
