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Summary

If you're fat the life insurance companies will load your premium by up to 400%. But how do they decide who is overweight? This article explains.

Life Insurers use the Body Mass Index to tighten the belt on fat people. Page 2

Author: Michael Challiner

lFor example, a non smoking healthy man { life insurance policies } aged 35 asking for £150,000 evel cover over 25 years will currently be quoted £18.77 by Scottish Provident but this could easily jump to £35 if he is overweight and up to £47 if he's obese.

And obesity is certainly a growing problem. Over the ( remortgages ) last 20 years obesity in adults has rocketed with more than 60% of men and 50% of women being judged as overweight or obese. And signs are that the problem won't improve. In children aged between 2 and 15, 28% of girls and 22% of boys are overweight.

How do you rate on the Body Mass Index?

Calculate your own BMI.

Note your weight in pounds and multiply it by 703.
Divide the result by your height measured in inches
Again divide the resulting number by your height in inches
The result is your BMI

The typical insurance company considers a BMI of between 18.5 and 24.9 to as normal. Above 25 classifies you as overweight. Over 30 and ( cheap mortgages ) you're obese.

To give you more of a fix on what this means for you, here are the BMI's for twelve famous people:

Under weight

Paula Radcliffe - Marathon Runner - 18.0

Victoria Beckham - Footballers Wife - 17.0

Jennifer Aniston - Actress - 17.5

Normal weight

Alan Shearer - Newcastle Footballer - 24.4

Davina McCall - TV Presenter - 20.8

Cilla Black - Presenter - 20.7

Overweight

Russell Crowe - Hollywood Actor - 25.6

Ann Widdecombe - MP - 25.1

Charlie Dimmock - Gardening Presenter - 26.0

Obese

Norman Schwarzkopf - US General - 30.5

Michelle McManus - Presenter - 34.4

Dawn French - Comedienne - 43.8