For many people there is a lack of knowledge about just how your weight and build can affect your life. Being both overweight and underweight can have dramatic and lasting affect on your body. It essentially makes all of your vital organs within your body work overtime. By being overweight you increase the chances of heart attacks, raised cholesterol, diabetes, and raised blood pressure, strokes and other potentially fatal conditions which at any point can take your life. By being underweight you are effectively starving and depriving your body of the essential nutrients and goodness that it needs which means it can not function properly.
Many insurance providers of critical illness insurance base individual applicants weight upon their BMI – Body Mass Index. This is a comparison of the weight and height ratio of an individual insurance companies rate both males and females separately obviously because the two sexes are made up of very different builds. They calculate the BMI of an individual by taking their height in meters (m2) and their most recent weight in kilograms (kg). They get their figure by dividing the weight of the applicant by the square of their height.
This ultimately creates the desired and needed BMI weight. In some cases an insurance provider of this type of insurance may require the individual to weigh themselves prior to the application, a few providers request the last day that the individual weighed themselves as well. This can of course change between the time they looked for cover and the time that they actually took the cover out. It may be advisable to update the insurance provider on the recent weight loss or gain so they can amend their terms sooner rather than later. The insurance provider will take into consideration the height and weight of the individual along with their dress or waist size as well.
