Have you recently completed an application for life insurance? There is a small box that inspires wonder in the hearts of the “slightly overweight”. It simply asks you to declare your weight. Do you go straight to the scales, strip naked in a state of undress, and climb those scales, trying to locate the lowest sign on the indicator? No, I thought not, I probably take a vague and overly optimistic hypothesis, write it down and quickly move on to the next question. Most of us do. It really is not cheating. You know you’ll be missing it soon, before Christmas / holidays / wedding. If only!
Now one of the biggest British names in the life insurance field, Scottish Provident, in an effort to achieve greater precision in risk factor processing, has added another innocent little question: when was the last time? Aware of the fact that many people are aware of their weight and tend to forget the few pounds they have gained since the last time they followed their “diet to end all diets”, they feel that this should help to give a true picture of possible risks to the health of your clients. It should also be noted that there are some people who will lie in an attempt to get cheaper rewards.
The Scottish Providents are rightly concerned about being told the truth. The UK government is taking obesity very seriously and it was recently announced that almost a quarter of us are overweight, and UK cancer research finds that around a quarter of them are not interested in losing weight. We are second only to Greece in obesity levels as a nation.
The definition of obesity is based on the body mass index (BMI) of the British Medical Association. To solve it, you must know your height in meters and then multiply by the same number. Take the result and divide it by your weight, using kilograms. This gives you your BMI, which can be used to indicate whether you are underweight, normal, overweight, or obese. However, it will overestimate fat in muscular or athletic people. These figures are for adults.