Does BMI Affect Life Insurance? 
Yes , it does . There are companies that will not accept business from people with a high Body Mass Index . Once a person gets above 35 in BMI the number of companies available to purchase from starts to drop . Above 40 BMI and most wo n't quote . Insurance is using statistics and the laws of probability to determine if a policy or a rate is offered . It is a very impersonal method applied to a very personal product . 