Vadwatie Marhone

Insurers require height and weight, using BMI as one health metric to set life insurance rate classes.
Both high and low BMI can raise quotes, reflecting higher mortality risks tied to obesity or being underweight.
Typical premium impact vs excellent health:
Overweight: avg. ↑16% (range ↑14%–↑19%)
Obese: avg. ↑72% (range ↑68%–↑78%)
Recent weight loss may not fully count until stable ~1 yr; otherwise, insurers may add back half lost weight.
To seek lower costs: ask for re-rating, shop new policies, or use an independent agent; GLP-1 loss treated similarly.

Weight's Impact on Life Insurance Rates

Claims experience as growth
Life insurance claims can be complex, forcing beneficiaries to gather documents, complete forms, and wait while grieving.
Because claims may be a rare insurer interaction, the experience can strongly shape trust during a difficult moment.
One insurer is using automation, AI, and integrated data systems to reduce delays and simplify navigation.
Leaders stress communication should feel human and genuine, not transactional, especially amid vulnerability and uncertainty.
Modernizing claims aims to cut manual-review friction; negative experiences can hurt how customers view the institution overall.
I’m seeing life insurers put more focus on the claims experience, using technology and better communication to reduce friction. The goal is to build trust during stressful moments and strengthen long-term customer relationships.