Ireland: A Country of Obese People by 2030 | World Health Organisation
According to a World Health Organization (WHO) report, Ireland has the highest cases of obesity and excess weight in the whole of Europe.
So you won’t be surprised to hear the number one health issue we encounter at lion.ie is weight.
The first step is to calculate your Body Mass Index (BMI). This is a screening tool that uses height and weight to estimate body fat.
Click on the image below to quickly calculate your BMI.
An example should clear things up:
Michael is 40, 6’2 and 20 stone.
His mother would call him big-boned, the BMI calculator would put him in the obese category (BMI of 35.9). You might expect the insurer would have a problem with this but surprisingly Michael would get the same price as someone who has a “normal weight”.
However if Michael was one year younger, with the same BMI, the life insurance company would increase his premium by 50%. You see overweight young men are the riskiest class for the insurer because of the correlation of obesity with cardiovascular disease – I’m talking heart attacks and strokes.
Apart from height, weight and age, the insurer will also looks at some other factors when underwriting an application for someone with weight issues.
There are a number of other factors the underwriters will consider when reviewing your application:
It’s impossible to give a useful indication of how these associated factors will affect your chances of getting cover but it’s safe to say the more of them you answer yes to, the higher the loading the insurer will add to your premium.
You may think because you’re overweight you cannot get life cover….
….that’s not true.
You may have to pay a higher premium than someone of normal weight but you can get life insurance.
We have managed to get cover for someone with a BMI of 47 – but she had to pay three times the normal price.
It all depends on which insurer you apply to. We know exactly who to apply to depending on your individual circumstances.
Going back to our lady with a BMI of 47.
This highlights another important point – always give your true weight and height on your application form as you may be called for a medical where your true measurements will be taken.
Even if you can’t get cover from the main life insurance companies, we deal with a specialist life insurance company who may be able to offer you cover.
The same rules apply for mortgage protection insurance as for life insurance.
The insurers take a stricter approach if you have a high BMI and want to get critical illness cover.
If your BMI is over 41, at any age, you will struggle to get income protection or serious illness cover.
Michael, aged 40, in our example above wouldn’t face an increase in premium for life cover only. But if he was applying for serious illness cover too, the insurer would increase his premium by 50%.
The insurers underwrite income protection even more strictly so please get in touch before making an application.
Yes, mortgage protection is a type of life insurance where your amount of cover reduces over time. The same rules apply to mortgage protection as to life insurance.
Weight is 160kg.
John had been declined by his bank and another broker. Honestly I thought we would struggle to get him cover too due to his age but fortunately John had a recent check up with his doctor and was in perfect health apart from the weight:
I had a yearly check up back in June with my doctor and everything is in the normal range. They took bloods and checked my cholesterol, heart rate, HDL, LDL, Triglycerides, glucose, sodium, potassium, CO2, chloride, calcium, BUN, Creatine, Alk phos, ALT, AST, Albumin, and total protein. All were within normal levels except for HDL which was 0.1mmol/L under the recommended level of 1.4mmol/L, the doctor saw no reason for concern with this. I also had a Haematology FBC, Haematology BFF, and Thyroid function tests. All came back as normal. The doctor also took blood pressure and heart rate and both were ok.
We managed to get John cover with a loading of +225%.
Further reading : Getting cover if you have high BMI
Each insurer takes a different approach to underwriting applications from people with weight issues. This means one insurer may increase your premium based on your age and BMI but you could get the normal price by applying to a different insurer.
That’s where I come in, let’s have a chat and I’ll find you the best insurer based on your BMI.
Complete this short BMI questionnaire and I’ll be right back.
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