verweight people are in they might ask for a doctor's
the firing line again. Life report. In bigger cases they
insurance companies are might ask you to have a medical
increasing premiums up to four examination. If this confirms
fold for fat people. They've that your weight is of concern,
always charged more for those of then you can expect your premium
us who over-eat, but during the to be loaded by at least 50% and
last year the penalties have got as much as 400% if you're really
worse. obese. Recent research shows that
around 25% of applicants will
In moves to tighten the belts experience problems getting life
further, the life insurers are cover due to their weight. In
lowering the weight limits they extreme cases the insurer will
use to categorise people. This even refuse the application.
tougher move means that those who
are merely overweight and would In an acknowledgement of normal
have previously qualified for a middle age spread, the insurance
standard premium, are now companies do take your age into
penalised with higher premiums - account when deciding your
and the premium rapidly rises the premium. They accept that people
more overweight they believe you naturally tend to put weight on
are. as they age. If you're young and
overweight, however, they'll
Height and weight are just two of certainly hit you hard. So
the questions you have to answer overweight and 38 will be hit
when you apply for life much harder than overweight and
insurance. From them, the life 58.
company calculates your Body Mass
Index and if that exceeds the For example, a non smoking
limits they define as acceptable, healthy man aged 35 asking for
"£150,000 level cover over 25
years will currently be quoted Again divide the resulting number
"£18.77 by Scottish Provident but by your height in inches
this could easily jump to "£35 if
he is overweight and up to "£47
if he's obese. The result is your BMI
And obesity is certainly a
growing problem. Over the last 20 The typical insurance company
years obesity in adults has considers a BMI of between 18.5
rocketed with more than 60% of and 24.9 to as normal. Above 25
men and 50% of women being judged classifies you as overweight.
as overweight or obese. And signs Over 30 and you're obese.
are that the problem won't
improve. In children aged between To give you more of a fix on what
2 and 15, 28% of girls and 22% of this means for you, here are the
boys are overweight. BMI's for twelve famous people:
How do you rate on the Body Mass Under weight
Index?
Paula Radcliffe - Marathon Runner
Calculate your own BMI. - 18.0
Note your weight in pounds and Victoria Beckham - Footballers
multiply it by 703. Wife - 17.0
Jennifer Aniston - Actress - 17.5
Divide the result by your height
measured in inches
Normal weight
Alan Shearer - Newcastle Charlie Dimmock - Gardening
Footballer - 24.4 Presenter - 26.0
Davina McCall - TV Presenter - Obese
20.8
Norman Schwarzkopf - US General -
Cilla Black - Presenter - 20.7 30.5
Overweight Michelle McManus - Presenter -
34.4
Russell Crowe - Hollywood Actor -
25.6 Dawn French - Comedienne - 43.8
Ann Widdecombe - MP - 25.1
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Source: www.isnare.com
