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For adviser use only – not approved for use with clients

Personal Protection body mass index
(BMI) tables
Your client’s BMI will affect the terms we can offer for all benefits. The decisions
given in the tables below are for guidance only and assume your client has no
other cardiovascular risk factors, for example raised blood pressure. Once an
application is underwritten, the decisions may change.
Life protection – Male applicants (smokers and non-smokers)
Current age
BMI
Up to 17
18 to 32
33
34
35
36
37
38
39 to 45
46 and above

Up to 33

34 to 54

55 and above

Manual underwriting
needed
Standard rates
Apply +50% rating
Apply +50% rating
Apply +50% rating
Apply +50% rating
Nurse screening required
Nurse screening required
Nurse screening required
Decline

Manual underwriting
needed
Standard rates
Standard rates
Apply +50% rating
Apply +50% rating
Apply +50% rating
Nurse screening required
Nurse screening required
Nurse screening required
Decline

Manual underwriting
needed
Standard