Most people are aware of the health risks of being overweight, including a greater likelihood of such conditions as heart disease and diabetes. Life insurance companies take these risks into account, which can easily translate into higher premiums for those whose BMI (body mass index) is 25 or above.
What fewer people are aware of, though, is that being underweight can also be considered a health risk. Those who are underweight may be at risk of malnutrition, which can cause a long list of health complications. For this reason, many insurance companies also charge higher premiums for those whose BMI is less than 18.
However, even if you do not fit within the standard BMI guidelines, we may be able to get you a better premium. Detailed health questionnaires can help insurers determine whether you are actually ill, or whether being traditionally underweight is simply the right body size for you. Plus, negotiation with underwriters can also help to get rate improvement!
Family owned and operated since 1969, American Term is dedicated to getting you the right life insurance at the right price, even if you are considered high risk. If you have been quoted a high price or even been told that you are uninsurable, we can help! Call or text us today at 800-380-3533 to learn how our unique dual application process can bring your life insurance premiums down. We look forward to working with you.