Forgive me if this topic has a thread already. I have searched but came up empty.
I am in the process of changing my life insurance plan and received basic results today. Part of their reasoning for giving me the rate they did was due to my height to weight ratio.
I replied to my agent that BMI doesn’t account for lean mass. Her reply back (underwriting’s reply): “Whereas we do not screen for body mass, regardless of the composition of a personâ??s weight, if theyâ??re weight is above average for their height, then their heart works a little harder to pump blood through.”
And: “Iâ??ve come across this same issue with professional athletes and bodybuilders. Yes, theyâ??re in great health, but their weight always is somewhat above average for their height. Itâ??s not a mark against you, it simply can hold you back from outstanding points in that category.”
So, regardless of their “great health”, they get lower marks for an above average body weight.
I am looking for a scientific paper, study, whatever that refutes this idea that just because body weight is higher than average it automatically affects the heart in a negative way.