Does BMI Affect Life Insurance? 
Body Mass Index -LRB- BMI -RRB- does impact the premium for life insurance . BMI or simply the height and weight of the proposed life insured is a key factor in preferred risk guidelines . Favorable height and weight combinations can mean preferred rates . Average combinations will mean standard rates as a starting point for underwriting . Unfavorable combinations may mean substandard rates at best . Height and weight charts can vary significantly by life insurer . An independent life insurance professional can survey a wide variety of insurers to help you select the best ones to apply with for the best possible outcome . 