‘BMI Calculator in KG’ (2024) High BMI Life Insurance >

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BMI Calculator in KG | Calculator for Weight

'BMI for Women Chart | BMI for Men Chart'

BMI Calculator in KG. Calculator for Weight. BMI for Women Chart. BMI for Men Chart. Compare BMI and impact on Life Insurance Quotes.

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Use the above FREE KG BMI Calculator & Pounds to Stones Calculator via omni to access your body mass index, BMI or convert pounds to stones.

View the BMI for women chart & BMI for male chart to see if yours is okay, too high or too low.

Dependant on your BMI Calculator in KG results, you can also work out what this means that in a group of people of your sex and age, who may have higher/lower BMI than you.

Or BUPA also offer useful tips on 'healthy eating' for weight loss or 'healthy weight' tips.

Will my BMI have an impact on Life Insurance?

Mainstream UK Life Insurers all vary in their approach to the various growing waist sizes of the population for both males and females in 2024.

Some more specialist providers have therefore targeted products now for those who have a raised BMI KG calculation. In this short article we will look at what impact BMI may have on overall life insurance costs.

Some Insurers will also factor in what your waist or trouser/skirt size into their calculations, dependant upon their protection products.

For example, Life Insurance rates for a high BMI kg tends to more generous than say health related plans like Private Health Insurance, Critical Illness or Income Protection ie; The risks of claims are deemed greater for life insurance high bmi.

BMI Common Health Questions - NHS

'KG BMI Calculator in Life Insurance Ratings'

When you apply for a Life Insurance policy, part of their application process is to ask both your height & weight. Be honest here. If unsure, ideally weigh yourself first thing in the morning without shoes or clothes.

Some Insurers also ask your trouser or skirt size. Again be honest, otherwise you could be declined at claim due to non-disclosure.

A 'Life Insurance Rating' for raised BMI, is the jargon used by Insurers after underwriting an application. It means non-standard health risk terms will apply on life insurance high bmi. This process can be straight off the application, after writing to your GP, or maybe asking you to attend a nurse medical screening health assessment (paid by Insurers).

Body Mass Index (BMI) KG calculator score estimates the average person’s body weight ie; the average body fat, the average person has. However, although it is not an exact science, it is a very easy way for Insurers & the medical profession to quickly see how an average healthy person’s build is, compared to the average UK population.

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Formula for BMI Calculator in KG

BMI is a calculation using a person’s height and weight. The formula is BMI = kg/m² where kg is the person’s weight in kilograms and m² is their height in metres squared.

Note that this how to bmi calculator formula above, does not distinguish between gender or age (see below for various other calculators for weight).

World Heath Organisation 'Who BMI Calculator'

The world health organisation 'Who BMI Calculator' also does not distinguish between genders or age. It is available as metric or standard feet ins & lbs.

Their WHO BMI calculator can be used to help indicate if you are overweight or obese. Alternatively if you are underweight or normal.

WHO states that a humans healthy 'is bmi calculator' score between 20 > 25. A score below < 20 indicates they say that you may be underweight. Then WHO says any values above >25 indicates that you may be overweight.

They also do a basic chart to find your height of their BMI Chart, and then check the weight that is closest to your personal body weight. From there you can also find your BMI.

Weight Calculator for Height & Insurance Costs

The BMI score is typically used to categorize people into 1 of 4 weight ranges from; underweight, healthy weight, overweight and obese. So working out your BMI KG (or weight calculator for height) is a formula used by every insurer as part of their underwriting process, & then to any insurance terms offered.

Example: Insurers may amend your standard life insurance quote from £20pm premium (but now with higher life insurance high BMI KG rating by 125%) = so your increased 'health rated cost' is now £45pm.

Any health rating is to reflect extra risks the insurers feel they may be taking on against someone with a standard BMI calculator kg to cm, or no health issues.

You may feel this is unfair but Insurers will have their statistics showing their greater likelihood of a claim. In today's Pandemic 2020's, this appears even more relevant the link between underlying BMI health issues & Covid 19 severity.

Note: Our online quote system doesn't price into KG BMI associated health risks (It only quotes standard health rates). Speak to our specialist brokers for help - if this concerns you ?

'BMI Calculator in KG' | Insurance Ratings

Life Insurance with High BMI

When looking at High BMI Life Insurance what your GP or NHS advises is that your ideal healthy standard BMI KG: 18.5 > 24.9 height to weight ratio.

So The B M I Calculator NHS maybe totally different than what a Life Insurer sees as their 'standard terms for insurance'.

Use the below chart for a rule of thumb guidance as to what average likely health premium ratings could apply for Life Insurance with High BMI, Critical illness or Income Protection.

See below BMI guidance charts : BMI Under | BMI Normal | BMI Over | BMI Obesity

Life Insurance	Critical Illness	Income Protection
BMI < 15 decline	BMI < 16 decline	BMI < 16 decline
BMI < 17 ratings	BMI < 18 ratings	BMI < 18 ratings
BMI 18 < 33 standard	BMI 18 < 30 standard	BMI 18 < 30 standard
BMI 33 > 40 ratings	BMI 30 > 40 ratings	BMI 30 > 40 ratings
BMI > 40 decline	BMI > 40 decline	BMI > 40 decline

N H S BMI Calculator UK

Under - Weight:	Healthy - Weight:	Over - Weight:	Obese - Weight:
(BMI <18)	(BMI 18>25)	(BMI 25>30)	(BMI 30>)

Example Comparison: NHS BMI of 27 is overweight for their N H S BMI Calculator but standard for some Insurers | BMI of 35 is obese if asking what's my BMI NHS - but just rated for some Insurers.

High BMI Life Insurance Types

There are 2 main types of High BMI Life Insurance in the UK Protection marketplace:

1] Term Insurance

Term Life Insurance is a simple plan that pays out a cash lump sum or income if you die during the fixed time period your policy runs for. The lump sums or family income benefits paid out on death stays level for family lifecover or decreasing for mortgage protection. The premiums remain level whether you are near the policy beginning or end. Most plans also include free 'terminal illness' cover.

The longer the level term insurance runs, then the more expensive it costs ie; 40 years term maybe double or more the cost than 20 years, as your life insurance high bmi risks are higher as you get older. You can take a term underwritten insurance plan upto age 90.

2] Whole of Life Insurance

Whole of Life Insurance policy, always pays out if you die ie; whenever (as long as you’re kept up with monthly payments). For someone with high BMI & health issues like raised blood pressure & cholesterol, this maybe the most expensive compared to term insurance, as it will always payout. It will ask medical questions.

Note:Over 50's Lifecover asks no medical questions, so could always be a choice if your high BMI life insurance means you maybe unable to get cover or have other bad health issues.

Consider placing the policy benefits in trusts should help to avoid probate, or potential Inheritance Tax IHT issues.

9 Top Risks on BMI KG for Insurance

Once you enter ‘overweight or obesity’ onto the who BMI Calculator, you may be at greater risk of some of these top 9 medical issues. Sadly, they all affect & increase your health and insurance risks.

WeightLoss Calculator

If you are trying to loose or gain weight, then try this useful NHS weightloss calculator plan & guidance advice links below. There are tips and tools to help to making informed choices about your health & wellbeing.

NHS Weight Loss Calculator Plan Calorie Checker Information on how much weight to lose

Alternatively, the BBC have produced a useful guide to weightloss calculator calories needed. It factors in your BMI, age, gender, exercise levels to produce a calorie calculator and your ideal level of intake daily.

* Weight Calculator Loss | BBC FOOD Calorie Counter

Calculator Diet

Trying to lose weight? Use this helpful FREE calculator diet omni monitor to help you take a look at any Personalized Diet tips:

Firstly, input your daily or weekly intake of various food types, classed as maybe 'good' or 'bad'. It will then calculate you’ll see estimated diet risks, as well as a number of ideas for maintaining a healthy diet.

Calculate Body Shape

To calculate body shape is not an exact science but is based upon a combination of a) the overall size of your physical features b) the overall balance of your body.

The main 5 to calculate body shape for women are...

• Hourglass
• Inverted Triangle
• Rectangle
• Pear
• Apple

BMI for Men Chart

The main 6 to calculate body shape for men are...

• Oval
• Circle
• Square
• Square Rectangle
• Triangle
• Inverted triangle

Men & women's figures are similar in certain ways (if you look at both pictures together) but different to calculate body shape | waist to hip ratio and BMI.

BMI for Women Chart 

Who shouldn't use a BMI KG calculator?

The BMI calculator should not really be used for long distance athletes, the elderly or pregnant, muscle builders or young children. This is because BMI calculation does not take into account whether the weight is carried as muscle or fat, just a number.

Those with a lower muscle mass, such as children who have not fully completed into adult growth or the elderly who may be losing some muscle mass, may have a lower BMI. During pregnancy, a woman's body composition changes, so using this KG BMI calculator is also not appropriate. People with a higher muscle mass, such as some athletes, may have a higher BMI but not be at greater health risk.

BMI Calculator - Child

As mentioned above, for both children and teens, their body fat changes with age as they grow up. Also, boys and girls differ in their amount of body fat as they mature into adults (if checking on a BMI calculator for kids).

This BMI calculator kids NHS link gives an approximate BMI for children from ages 5 to 18. It may help tell you if your child is underweight, an ideal weight, at risk of being or is overweight.

Child critical illness lifecover is available as part of most mainstream insurers adult critical illness plans, usually upto age 21. This BMI Calculator Child only below is just for children under age 10.

BMI and Smoking re Insurance

There is a general perception, especially among young people, that maybe smoking protects against weight gain, as it may curb your appetite ?

Perhaps also the reason being that they may see if someone gives up smoking, although not proven, they may substitute food cravings instead, causing them gain weight?

This may influence commencement and then continuation of smoking, which cannot be good for health reasons, BMI or not, or your finances. Use our omni FREE Quit Smoking & Save calculator to see financial affects of this.

For insurance however, it now means you are paying higher smoker rates. Note: If you have quit smoking for at least 12 months free of all nicotine or replacement products, you may get non-smoker life insurance rates.

BMI Calculator Weight Conclusion

We have checked various BMI calculations from the WHO BMI Calculator, M I calculator NHS and BUPA BMI.

Whilst your BMI weight calculation is definitely a factor in any life insurance with High BMI costings, there are others eg; Smoking, Alcohol levels, Lifestyle or other Health issues & Family History.

Your BMI however might also suggest a health condition could develop in the future (see above 9 risks). These factors all contribute into your quoted life insurance premium.

Sorting out your ideal life insurance cover may seem a difficult task, so don’t do it alone. It’s a good idea to get professional advice from an expert – we’re here to help.

Article 'BMI Calculator in KG' and Life Insurance with High BMI by Martyn Spencer Financial Adviser (2024)

For reassurance re health for men & women - we review many of the best brands selling Life Insurance in UK (inc NI)

NOTE: This generic article touches on various BMI medical issues & information. The latest health guidance on this may change regularly, so any article comments may not always be accurate. However, we are not GP's or health professionals so always seek medical advice & guidance via NHS if unsure.