BLOG: How does your BMI impact your life cover premiums?

Posted January 29, 2020

Blog by Barry Jones, Moneyfacts UK Protection Adviser of the year 2019

Whilst it may not make for the most comfortable conversation, talking to your clients about their weight, and its impact upon their life insurance costs, is something that should form part of the advice process and can often end up with a real positive outcome.

Most companies fall into broadly similar underwriting stances, with lines drawn at certain BMI points impacting upon the cost or availability of cover. Being aware of these break points is important, and sharing them with clients can influence their behaviour in an often surprising manner.

As example for a typical male aged 5’11”, if BMI is over 43 then critical illness cover will generally be declined (this is a weight of 21 stone 7 pounds or above). Any weight of 16 stone 7 pounds or below will be accepted at standard cost, with a sliding scale between the two. If this same client was a weight of 18 stone 7 pounds, his premium would be increased by 50% of the initial quote.

Sharing this information with clients can have a profound impact upon their behaviour, and perhaps gives us a bit of an insight into the human mind, and what drives us. Clients understand that being overweight will have a long term negative impact upon their health, but may have buried their heads in the sand for many years- it can be hard to prioritise worrying about something that may impact you in the future but probably not today. If they suddenly end up paying what in effect feels like a financial penalty every month, this draws the issue into sharp focus and can help drive long term positive lifestyle changes.

Sharing this information with a client, and giving them specifics- if your weight is X then your premium would be Y- is a powerful and positive way of dealing with this common underwriting concern that can create hugely positive outcomes for all.

To know more about protection then simply gives us a ring on 01270 620555, or email us at advice@watts-ifa.com and one of our team of Protection Specialists will give you a call straight back.



Calculators to help you plan your mortgage payments and stamp duty rates.


Read what some of our existing clients have to say about our services.


Send us an email with your contact details and we’ll arrange for one of our advisers to call you back.

Watts Mortgage & Wealth Management Ltd is directly authorised and regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No 624815 at https://register.fca.org.uk/s/

More information is available on mortgages from the Money Advice Service. www.moneyadviceservice.org.uk

Where you have a complaint or dispute with us and we are unable to resolve it to your satisfaction then we are obliged to offer you access to the Financial Ombudsman Service. Please see the following link for further details www.financial-ombudsman.org.uk

Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

You may have to pay an early repayment charge to your existing lender if you remortgage.

For details of our fees for mortgage business please click here.

The FCA does not regulate some forms of mortgages. The FCA does not regulate taxation advice, trust advice and some forms of buy to let mortgages.

Go to Top