High BMI Life Insurance and Critical Illness Cover

To be overweight means that your body is carrying more weight than what is ideally recommended which depends on an individual’s height and also age. The way to find out if you are overweight is to find out your BMI ratio which will determine what percentage you are at and by looking at a standard BMI chart it will identify whether you are normal, overweight, obese or clinically obese. The BMI ratio may not be an accurate reading however if you are muscular and obviously do a lot of weight training this will then mean you weigh more as muscle weighs more than fat. Being overweight can cause a number of problems to anyone’s health even on a day to day basis. Constantly carrying that extra weight might make you tired, it could even affect your breathing and would mean that if you were to participate in any sort of energetic activity or exercise you may become short of breath. Not only can it affect your daily life but it can also lead to serious illnesses such as diabetes, raised cholesterol or high blood pressure, a stroke or heart attack.

Your BMI ratio is calculated as a percentage and the higher your BMI ratio the more someone should consider doing something about, it may not be easy but there are ways and means for you to get help to make you feel better about yourself as people who do have a high BMI ratio tend to have very low self esteem levels.

A critical illness cover plan or life insurance plan will take your health into consideration along with many other factors. When an application is being assessed by an underwriter one of the first questions which is asked on an application form are a client’s height and weight and sometimes your waist measurement. The figures are however then taken into consideration against someone’s age, the older you are the more tolerance an insurance provider may allow. Every insurance provider is different to another and they work off their own guidelines but depending on your height and weight your plan may be offered with an additional premium on top of the standard price quoted at onset. The reason for this is again goes back to the higher risk of suffering a critical illness which could then lead to death. Clients policies are not just increased in price because of their BMI ratio but other factors can influence the premium such as a client’s family history. If you are happy with the premium offered and the policy starts if in the future you loose a certain amount of weight and therefore the risk is then reduced for the provider, they would then be able to look at the plan and maybe offer the plan at standard rates or reduce the loading on the plan. However this may not be beneficial if you have suffered an illness which may be of concern to the insurer since the application was originally submitted as this would then have to be taken into consideration.