Looking for life insurance?

Watch your weight and
kick the habit first !

 

 

Important issues relating to getting coverage and the amount your premium will be include smoking and being overweight.  One UK study found that the average smoker paid 56% more than a non-smoker for life insurance. 

 

Companies consider you a non-smoker if you have not used tobacco for the previous 12 months, others for a 5 year period. 

 

Folks with a BMI (body mass index) of 28 or more may have to pay and extra 50% in premium.  This is a recent industry reduction of 16%.  BMI is calculated by dividing your weight by your height and the result squared. 

 

Other factors that underwriters consider include current and past health history, drug or alcohol use, your profession/avocation, medications, travel.