Reduce The Risk (Life Insurance)
Body Mass Index
On average, people with a higher mass index are more prone to getting diseases and getting sick. Even if you do have a higher mass index, you're fine if you have regular exercise and good dieting.
Insurance companies penalize applicants who use cigarettes, chewing tobacco, or snuff by charging higher insurance premiums or refusing to provide them with coverage.
This does not reflect upon you as an individual, but instead reflects the insurance company’s statistics, which may show that people in your area aren’t as healthy as people in other areas. Move to another area, and you might see a dramatic drop in premium prices.