To mark the start of obesity awareness week, Norwich Union has released figures which reveal clinically obese people face paying nearly twice as much for their life cover as people of 'normal' weight.
When assuring a sum of £200,000 for a 15 year term, a typical 35 year old, 5’10” non-smoking male weighing 12 stones can expect to pay £14.40 a month for a Norwich Union policy, compared to £18.40 if they weigh 18 stones and £25.20 if they weigh 20 stones.
Similarly, a 35 year old, 5’5” non-smoking female weighing nine stones can expect to pay £12 a month, compared to £15 for a 15 stone counterpart and £20.40 for a 17 stone counterpart.
Extra premiums are added routinely to life insurance policies when a client’s body mass index (BMI) is 30 or above.
At present, one in four children in England is currently obese and between 1995 and 2004 adult obesity rose from 13% to 24% for men and 16% to 24% for women.
Tony Jupp, chief underwriter at Norwich Union, says: “Obesity dramatically increases the likelihood of a number of chronic medical conditions including high blood pressure, heart disease and diabetes. It can also put a tremendous strain on weight bearing joints especially the hips and knees, leading to a number of mobility problems.”
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