BMI can be used to check if a person is a healthy weight for their height.
To calculate your customer’s BMI, divide their weight in kgs by their height in metres squared.
The tables below show our underwriting outcomes for BMI and assume no other medical risk factors are present.
BMI readings < = 0.49 are rounded down and BMI readings = > 0.50 are rounded up.
Life Cover
|
Age Attained |
|||||
|
BMI |
18-29 |
30-39 |
40-49 |
50-59 |
60+ |
|
<=16 |
Unable to offer |
Unable to offer |
Unable to offer |
Unable to offer |
Unable to offer |
|
17 |
25% |
25% |
Unable to offer |
Unable to offer |
Unable to offer |
|
18 |
0% |
0% |
0% |
0% |
15% |
|
19 - 29 |
0% |
0% |
0% |
0% |
0% |
|
30 |
20% |
15% |
10% |
0% |
0% |
|
31 |
25% |
25% |
20% |
10% |
0% |
|
32 |
30% |
30% |
25% |
10% |
0% |
|
33 |
40% |
35% |
30% |
25% |
15% |
|
34 |
50% |
50% |
35% |
30% |
25% |
|
35 |
60% |
60% |
50% |
35% |
25% |
|
36 |
75% |
60% |
60% |
40% |
35% |
|
37 |
100% |
75% |
75% |
50% |
50% |
|
38 |
100% |
100% |
75% |
60% |
50% |
|
39 |
125% |
100% |
100% |
75% |
75% |
|
40 |
175% |
150% |
150% |
100% |
100% |
|
41+ |
Unable to offer |
Unable to offer |
Unable to offer |
Unable to offer |
Unable to offer |
Critical Illness and Total Permanent Disability
|
Age Attained |
|||||
|
BMI |
18-29 |
30-39 |
40-49 |
50-59 |
60+ |
|
<=16 |
Unable to offer |
Unable to offer |
Unable to offer |
Unable to offer |
Unable to offer |
|
17 |
50% |
50% |
Unable to offer |
Unable to offer |
Unable to offer |
|
18 - 29 |
0% |
0% |
0% |
0% |
0% |
|
30 |
25% |
20% |
10% |
10% |
0% |
|
31 |
25% |
25% |
25% |
20% |
10% |
|
32 |
35% |
30% |
25% |
25% |
25% |
|
33 |
50% |
50% |
50% |
35% |
35% |
|
34 |
60% |
50% |
50% |
50% |
35% |
|
35 |
100% |
60% |
50% |
50% |
50% |
|
36 |
100% |
75% |
75% |
75% |
75% |
|
37 |
100% |
100% |
100% |
100% |
100% |
|
38 |
Unable to offer |
Unable to offer |
Unable to offer |
100% |
100% |
|
39+ |
Unable to offer |
Unable to offer |
Unable to offer |
Unable to offer |
Unable to offer |