Life Insurance Testing

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PhatE1vis

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One of my new year's resolutions is to get life insurance this year. Part of the testing is a measurement of your BMI.

I'm currently 180 pounds at 5'9 and about 11% body fat. However, that puts me in the overweight category. So much for the benefits of lifting and good health!

To get my BMI in the normal range, I need to drop about 12 pounds. I can easily do this in about 2 months by not eating and working out less, but I'll feel and look like crap.

Is it worth destroying my gains to get a lower premium? Has anyone else here dealt with this idiotic problem?
 
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DavenJuan

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you may be worrying for no reason. life insurance testing depends on your age and the amount of insurance you are purchasing. being 33 you may only have to do a telephone interview.

However if you are tested for BMI, your premiums are not adjusted so dramatically that you should be concerning yourself with this.
 
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Quagmire911

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Can you not prove to them somehow that you are in great shape?

Show them a six pack, how can they say you are overweight then?
 
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PhatE1vis

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Quagmire911 said:
Can you not prove to them somehow that you are in great shape?

Show them a six pack, how can they say you are overweight then?
Click to expand...
HAHA! That would be great! I'll show the tester that I can bench 235 and then run a mile under 6.
 
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Throttle

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insurers are all different... if you have trouble with one go to another. you'll find someone who wants to play ball.

check into whether your employer offers group term life insurance -- often much cheaper & fewer restrictions/hassles (depending on your occupation, of course. motocross stunt jumpers need not apply, of course)
 

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insidious

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I got married @ 33, and my wife and I signed up for life insurance right away since she was pregnant (yeah yeah, whatever) -

A lot of it has to do with the insurer, your age, the size of the policy, etc. The first company we tried had me piss into a cup and they also did a swab of my mouth to do an HIV test. We didn't choose them...the 2nd company also
made me piss into a cup, but they drew blood and did all kinds of tests (inc HIV, that's a popular life insurance test) -
 
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