Underwriting for underweight people seeking life insurance cover will depend on the following factors:
- Your current BMI
- Your clothing and waist sizes
- How long you have been underweight for
- How you first became underweight
- Whether you have suddenly experienced drastic weight loss
- Your mental health
While many people who are underweight are easily accepted by insurers, some may only be offered cover with non-standard terms or increased premiums if they are severely underweight and there are associated health or mental health complications.
If this is the case, an insurer may also request access to your medical records, especially if your BMI is below 17. If the cause of your being underweight is as a result of an eating disorder such as bulimia or anorexia, it is likely that you will be offered cover with very high premiums, or that you will be refused cover. However, some insurers are open minded and are willing to discuss your circumstances with you. Bear in mind that ratings for underweight life insurance will always vary and will largely depend on the reasons why you are underweight.
At The Insurance Surgery, we can help take the legwork out of finding the right insurance provider for your needs.