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Underwriting and BMI (Body Mass Index)

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