Does BMI Affect Life Insurance? 
If applying for No Exam life insurance , BMI is not taken into consideration for approval . And when one 's weight is within the normal weight range , BMI will not affect ones ' rating for medically underwritten life insurance , either . It is when someone is overweight that the BMI is looked at in medically underwritten life insurance , to determine whether to give a better or worse rating than one might get based on weight alone . 