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Life Insurance

Underweight Life Insurance applications are often considered for those individuals with a BMI of 16 or under. Low BMI Life Insurance applications will generally require the insurer to see a report from your GP to establish if there are any underlying health conditions. If there is recent history of bulimia or anorexia then cover can unfortunately be declined. The insurers will consider your application and provide underwriting terms once they have seen the report from your GP.

If your BMI score is 17 or above (under 36) then most insurers will not be too concerned with your height to weight ratio. With a BMI score of 17 many insurers will accept your application at ordinary rates without the need for any consultation with your GP.

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Critical Illness Cover

Critical Illness Cover for people who are underweight typically follows the same underwriting guidelines as that of Life Insurance. If your BMI is 16 or under the insurer will want to clarify with your GP the cause of your low weight and provide terms once they have seen a medical report. A BMI score of 17 or above (under 36) will often result in your policy being immediately accepted at standard terms, provided that you have no other significant medical conditions to disclose.

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Income Protection

Income Protection for people with a low BMI (16 or under) will have their applications assessed by the underwriters in conjunction with a report from their GP. The insurer will be primarily focusing upon the reasons for your low weight and whether it has caused you to have any time off work. The terms of your policy will be based upon the contents of the report from your GP. Where the BMI score is 17 or over (but under 36) many insurers will be able to provide normal terms of cover.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who have a low BMI include:

  • Fertility problems
  • Painful joints
  • Low self esteem
  • Brittle nails and hair
  • Mood swings
  • Tooth decay

Medications and Treatments

  • Counselling
  • Balanced diet
  • Medications for secondary conditions e.g. diabetes etc

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

People are considered to have a low BMI if their height to weight ratio averages 18.5 or lower. A low BMI can be the result of genetics, a secondary illness or following the loss of one or more limbs.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research