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Anyone know if being underweight affects life insurance rates?


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I'm looking into life insurance at the moment, and am getting kind of worried  - I know being overweight can make getting insurance harder, but what about being underweight? What kind of BMI do you need to get up to to be considered for insurance?

I'm NOT saying I want to stay at any minimum weight level, just that I may have to answer questions about weight as soon as 18th May, so it's not like I have long to do anything about it... my current BMI is around 18 (up from 16 and gaining very slowly!)

Thanks!

P.S. I'm in the UK if that makes any difference

7 Replies (last)

I dont know the answer to this, but if they consider 18.5 to be the minimum healthy weight, then you are not too far off. Will you have to tell them about your anorexia? If you do, then I'd guess might have an affect. But if you don't, then I doubt it (but again, I don't know).

I'm searching, but not finding an answer. You can always call the insurance company and ask.

If you feel that you are very close the the cut-off point, I hate to say it, but I would do whatever I could to gain weight for the weigh-in. Some insurance companies cover some or all of therapy sessions and outpatient/inpatient programs.

I've never worked in life insurance pricing, therefore you can consider what I say as an educated guess.

There are increased mortality rates for people at both ends of the BMI spectrum, therefore it only makes sense that there be a surcharge for underweight individuals.

I would focus on getting healthier instead of getting to a specified BMI level.

  • Different companies probably use different BMI ranges/cutoffs to determine prices.
  • Your rate will probably be based on several other health indicators, for example whether you are a smoker, your cholesterol level, your blood sugar level, etc.

What kind of life insurance are your looking for?  Is it one provided by your employer as part of a collective insurance plan?

Original Post by dansmum99:

I'm looking into life insurance at the moment, and am getting kind of worried  - I know being overweight can make getting insurance harder, but what about being underweight? What kind of BMI do you need to get up to to be considered for insurance?

I'm NOT saying I want to stay at any minimum weight level, just that I may have to answer questions about weight as soon as 18th May, so it's not like I have long to do anything about it... my current BMI is around 18 (up from 16 and gaining very slowly!)

Thanks!

P.S. I'm in the UK if that makes any difference

A little bit of a grey area I think. I'm no insurance expert but have seen quite a few health insurance policies and have scrutinised a lot of fine print.

What it boils down to, is a mental illness. So though being under weight itself may not be cause for concern, the reason for being under weight, might be a problem and result in many exclusions & restrictions.

It's impossible to speculate. You'll simply have to ring up & ask the company outright (anonymously!) if it's unclear.

Thanks guys - I looked into this (anonymously!!) and found that for my height, I need to be 121-155lbs to get preferential rates, so there may be an extra for being 110. Sigh! Oh well - looks like it's not always good to be thin!!

Just wondering how heavy my biggest outdoor coat and boots are... ;-)

Original Post by dansmum99:

Thanks guys - I looked into this (anonymously!!) and found that for my height, I need to be 121-155lbs to get preferential rates, so there may be an extra for being 110. Sigh! Oh well - looks like it's not always good to be thin!!

Just wondering how heavy my biggest outdoor coat and boots are... ;-)

You could also try and speed up your weight gain process.

And, not to encourage cheating but, water weight won't hurt if there is a weigh in.

I'm seeing the insurers today, and have decided to just be totally straight with them - if I have to pay more, then so be it. It's better than paying less and findinf the policy is void because I 'forgot' to mention an ED... hopefully the rates will drop when I am at target weight!!

7 Replies
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