BMI & Weight Impact
Insurance companies use "Build Charts" (Height vs. Weight) to determine your risk category. Being overweight is correlated with heart disease and diabetes, which leads to higher premiums.
The 4 Main Health Classes
Your Body Mass Index (BMI) places you into one of these tiers:
Preferred Plus
Ideal weight. No health issues. Cheapest rates possible.
Preferred
Slightly above ideal weight, but excellent vitals (BP/Cholesterol).
Standard Plus
Average build. No major health concerns.
Standard
High BMI. This is the baseline price (often 50 percent more than Preferred).
📉 Did You Know? The "Credit" System
Some carriers offer "Build Credits." If you are overweight but have excellent blood pressure and cholesterol, they might bump you up one health class, saving you money.