Physique mass index (BMI), calculated utilizing a person’s top and weight, is a metric typically referenced in the course of the life insurance coverage underwriting course of. Insurers use this calculation, typically introduced in desk format, as one consider 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 usually related to higher well being outcomes, resulting in probably 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 situations, equivalent to coronary heart illness, diabetes, and hypertension. Correct evaluation of those dangers permits insurers to successfully handle their total danger publicity and decide applicable premium ranges.