BMI Guide
The following underwriting decisions apply to BMI readings. You can find various BMI calculators online, but these may round calculations differently. We recommend using the BMI calculator available on our website.
All applicants:
| BMI* | Age <30 | Age 30-49 | Age 50+ |
|---|---|---|---|
| <17 | Decline | Decline | Decline |
| 17 | Refer | Refer | Refer |
| 18-31 | 0 | 0 | 0 |
| 32 | +25% | 0 | 0 |
| 33-34 | +50% | +25% | 0 |
| 35-36 | +75% | +50% | +25% |
| 37-38 | +100% | +75% | +50% |
| 39** | +125% | +100% | +75% |
| 40+ | Decline | Decline | Decline |
*BMI is rounded to the nearest whole number (e.g. 20.49 = 20 & 31.50 = 32)
**anyone with a BMI measurement of 39 will be subject to a medical screening
For further information, please refer to Our Guide to Underwriting.
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