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 you use this BMI calculator as it mirrors the calculator used by our Underwriting Team.

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.