Life Insurers Use The Body Mass Index To Tighten The Belt On Fat People

Overweight people are in the firing line again. Life insurance , No Money Down Mortgage Loans Ways To Get Approved For A Home Loan Online With Zero Down companies are increasing premiums up to four fold for fat people. They've always charged more for those of us who over-eat, but during the last year the penalties have got worse.

In moves to tighten the belts further, the life insurers , Affordable Individual Health Insurance are lowering the weight limits they use to categorise people. This tougher move means that those who are merely overweight and would have previously qualified for a standard premium, , Rewards Cards Convert Your Current Card are now penalised with higher premium' and the premium , Building Business Credit For Small Business Owners rapidly rises , Home Mortgages the more overweight they believe you are.

Height and weight are just two of the questions you have to answer when you apply for life insurance. , Mortgage Refinance Tips Determining Your Income From them, the life company , Personal Loans The Best Way To Borrow calculates your Body Mass Index , Handling Your Money Effectively and if that exceeds the limits they define as acceptable, they might ask for a doctor's report. In bigger cases they might ask you to have a medical examination. If this confirms that your weight is of concern, then you can expect your premium , Mortgage Refinance Tips Determining Your Income to be loaded by at least 50% and as much as 400% if you're really obese. Recent research shows that around 25% of applicants will experience problems getting life cover due to their weight. In extreme cases the insurer , What You Need To Know About The Rates Points And Fees On Your Mortgage will even refuse the application.

In an acknowledgement of normal middle age spread, the insurance , Car Loan Companies companies do take your age into account , Consolidate Your Credit Cards Lower Your Monthly Payments when deciding your premium. , Debt Collectors Men Or Mice They accept that people naturally tend to put weight on as they age. If you're young and overweight, however, they'll certainly hit you hard. So overweight and 38 will be hit much harder than overweight and 58.

For example, a non smoking healthy man aged 35 asking fo'50,000 level cover over 25 years will currently be quote'8.77 by Scottish Provident but this could easily jump t'5 if he is overweight and up t'7 if he's obese.

And obesity is certainly a growing problem. Over the 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 , Debt Collectors Men Or Mice 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 , Online Donations A Quick And Easy Way To Make Charitable Contributions To Worthy Causes company considers a BMI of between 18.5 and 24.9 to as normal. Above 25 classifies you as overweight. Over 30 and 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 Radcliff' Marathon Runner - 18.0

Victoria Beckha' Footballers Wife - 17.0

Jennifer Anisto' Actress - 17.5

Normal weight

Alan Sheare' Newcastle Footballer - 24.4

Davina McCal' TV Presenter - 20.8

Cilla Blac' Presenter - 20.7

Overweight

Russell Crow' Hollywood Actor - 25.6

Ann Widdecomb' MP - 25.1

Charlie Dimmoc' Gardening Presenter - 26.0

Obese

Norman Schwarzkop' US General - 30.5

Michelle McManu' Presenter - 34.4

Dawn Frenc' Comedienne - 43.8

Article Source: http://www.articledashboard.com

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