Physique mass index (BMI), calculated utilizing a person’s top and weight, is a metric typically referenced through the life insurance coverage underwriting course of. Insurers use this calculation, typically offered in desk format, as one think about assessing an applicant’s danger profile. For instance, a person 5’10” tall and weighing 220 kilos would have a unique danger evaluation in comparison with somebody of the identical top weighing 160 kilos.
Sustaining a weight inside the ranges thought of “regular” in accordance with these tables is commonly related to higher well being outcomes, resulting in doubtlessly extra favorable insurance coverage premiums. Traditionally, insurers have relied on these assessments to determine people who could also be at elevated danger for sure well being circumstances, corresponding to coronary heart illness, diabetes, and hypertension. Correct evaluation of those dangers permits insurers to successfully handle their total danger publicity and decide acceptable premium ranges.