Life Insurance companies use probability, evaluation of risk and key indicators to work out premiums or the cost of the life insurance. For example if we are older passing is more likely, do a dangerous occupation, or family have had a number of health challenges and or the age of diagnosis of – to name a few examples. 

BMI is Body Mass index a measure or calibration of height vs weight. The life insurance companies rightly or wrongly use this to identify and label good health or not! However, not all companies use the same BMI metrics or thresholds before it starts impacting on premium or cost of the life insurance.

Golden Rock Solutions understands all families are different and in turn the life insurance companies all have different strengths and weaknesses. We know BMI can influence premiums but we also need to be mindful of other factors like our occupation, historic or current health impacts, the health of our family and more lifestyle choices. When working with families we can wrap all this information to give a complete solution so we get easy application process, costs effective protection, inheritance tax proofing and the illness which are relevant protected.

This is advice is totally independent FREE of charge and can find the right life insurance provider for you. Please get in touch for more information

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