Your Body Type and Your Life Insurance Rates

Life insurance is very important. It guarantees the insurer peace of mind that his loved ones will be financially taken care of when he passes away. Despite being a relief for so many people, getting a life insurance policy with a good rate isn’t always a straightforward process. There are many factors that come into play when your insurance rate is determined by the company that make that insurance. This is because an insurance company evaluates each case separately and decides a rate based on so many factors.

Sites like Health IQ can help a ton here.

Among the factors affecting your insurance rate are health-related issues such as your cholesterol level, your blood pressure, sugar levels  and even if your family has a history of a disease such as cancer or diabetes. A health factor that can greatly affect your life insurance rate and is not known to many people is your Body Mass Index, which is known as the BMI. This number is used to determine how proportional is your weight compared to your height. Despite sounding so simple, there are things that might cause confusion when a person’s BMI is considering by an insurance company. A person such as a bodybuilder may be fit however; his Body Mass Index will be high which in turn will affect his life insurance rate significantly.

People’s BMI is categorized into four main categories: underweight, normal, overweight and obese. A Body Mass Index that is less than 18.5 is considered underweight, between 18.5 -24.9 is considered normal, from 25-30 is considered overweight and above 30 is considered obese. Obviously, people with a normal BMI receive the best rates. Not all insurance companies are the same though. Knowing your Body Mass Index and what options do you have through a quiz like the one provided by HealthIQ.com will definitely increase your chances of finding a life insurance plan that will give you peace of mind without breaking the bank.