How is height and weight related to life insurance policies and
how high or low life insurance rates are? Well, life insurance
policies and the premiums paid are based on many factors – how long
the life insurance policy is effective, occupation, lifestyle
habits, and family needs. Many life insurance companies require
potential life insurance policyholders to undergo medical
examinations before they begin to assess the cost of the life
insurance policies’ rates, and those medical examination reports
will include height and weight information.
Height and weight is important to life insurance companies because
being overweight or underweight can put potential life insurance
policy holders at a greater risk for health complications such as
heart attacks, diseases such as diabetes, and even death – which are
only three of the reasons people use their life insurance policies.
Therefore, life insurance companies see overweight and underweight
people as being “high risk,” and will either raise the life
insurance policy premiums, or refuse to offer a life insurance
policy at all.
By developing a lifestyle that focuses on wellness, fitness, and
diet, potential life insurance policyholders can not only become
healthier, but they can also help get their weight to a healthy
ratio with their weight. For example, 160 pounds isn’t considered
very heavy for a person of 5’9’’ tall, but it’s considered quite
heavy for a person who is only 5’ tall. Of course, life insurance
companies also take into consideration the gender of the potential
life insurance policyholder.
If purchasing a life insurance policy isn’t at the top of your to-do
list right now, but will be in a few years or so, consider beginning
a lifestyle that focuses on your wellness, fitness, and diet now,
and one that will help you achieve and maintain a weight that is
healthy in relation to your height. By doing so, you won’t have to
worry about high premiums or denied services in the future.