Just came over the wires at work....

Discussion in 'Fitness & Nutrition' started by Mischa, Feb 28, 2007.

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  1. Mischa

    Mischa Laugh. It won't kill you.

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    Insurer gives incentives to customers with low body mass index

    HARTFORD, Conn. (AP) -- Amid a growing obesity epidemic in the United States, an insurance company has started giving customers another reason to slim down by being one of the first in the nation to offer discounts to customers who keep a low body-mass index.
    The program by Phoenix Cos. Inc. offers discounts up to 20 percent on life insurance policies to customers whose BMI is verified by a doctor to be 19 to 25.
    BMI is a ratio of body fat that takes height and weight into account. The Centers for Disease Control and Prevention defines obesity as a BMI of 30 or more; people between 25 and 30 are considered overweight.
    "We tried to come up with a program that accounts for factors such as strokes, and help those who maintain healthy weight, lifestyle, what they eat and go to the gym," said Joe Kelleher, senior vice president and chief operating officer of The Phoenix. "We thought we'd be able to reward those people."
    Customers who qualify for the program can start seeing reduced rates after five years if their BMI remains in the 19-to-25 range. Customers will see their premiums drop by 5 percent for every five years that they keep a healthy BMI ratio, up to a maximum of 20 percent after 20 years.
    The plan comes as U.S. obesity rates have risen to an all-time high. Nearly one-third, or 32 percent of adult Americans, are considered obese, the federal government says.
    Obesity can cause diabetes, heart disease and other health-related complications that shorten life spans. The proportion of obese adults has more than doubled, from 15 percent in the mid-1970s.
    Insurance companies prize healthy customers because they live longer. Insurers make more revenue from healthy customers who pay monthly premiums well into their 70s than from customers that die of natural causes years earlier. Although life insurers typically consider lifestyle, weight, age and family medical history when writing policies, Phoenix's BMI discount is unique.
    More than 140 people have signed up for the program and about 30 have been approved, said the Hartford-based company said.
    One of them, 42-year-old David Rollins of Bloomington, Ill., was approved for the program this winter. Rollins, who has always kept fit with a regimen of running, bicycling and lifting weights, rolled his previous Phoenix policy into its BMI program to save money.
    "In the longer term, the way I look at it, I'm buying a product that's going to reward my lifestyle," he said.
    But the American Medical Association said there's not necessarily a correlation between good health and BMI ratio. Muscular athletes in good condition would likely have a higher than recommended BMI, said Dr. Ron Davis, president-elect of the AMA.
    "The point is obesity is a medical condition and medical treatments are needed to address the problem," said Davis, a Detroit-based physician specializing in preventative medicine.
    Obesity is a complicated issue, with a great deal related to behaviors such as poor diet and lack of physical activity or a family's genetic makeup, he said.
    BMI ratio isn't the only gauge of obesity, Davis said. "But it's probably the best measure we have," he said.
    Dr. Rob Kinney, vice president and medical director of The Phoenix, said BMI is a good measure of longevity, which is the first consideration for a life insurance company.
    Men and women who are in the BMI range of between 19 and 25 live longer, he said. "It's a statistical fact."
    "We would agree it's not a perfect measure," Kinney said.
    Some people have a BMI higher than what's acceptable yet are still healthy, while others who are within the range are not as healthy, he said. "From a statistical standpoint, it's a very, very well measured test."

    (Copyright 2007 by The Associated Press. All Rights Reserved.)
    APNP-02-28-07 1514EST

     
  2. igo4bmx

    igo4bmx WHAT WHAT WHAT THE FU OT Supporter

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    that kinda sucks cuz im considered very obese, but i am very healthy based on my blood pressure and cholesterol levels.
     
  3. MaineSucks

    MaineSucks OT Supporter

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    allthatshit.jpg
     
  4. deuceforty

    deuceforty between rupture and rapture

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    19-25!! im not real knowledgable.. but is that saying 19-25 body fat percentage!?!?!?! jesus fuck
     
  5. Uglybob69

    Uglybob69 I miss beer.

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    If you're very muscular your BMI doesn't tell you anything if you use the height/weight method.

    I'm all for getting a discount for being in good shape but they need to find a better way to do it.
     
  6. Jackie Treehorn

    Jackie Treehorn Active Member

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    Yeah another method would probably be better, but you have to remember who their "average" insuree is. It's your typical American who doesn't work out enough and eats poorly. I'd say we (being the health conscious people on this board) are the minority, and probably don't figure into their bottom line much.
     
  7. ccrooks

    ccrooks New Member

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    my BMI says i'm pretty obese
     
  8. Genghis.Tron

    Genghis.Tron New Member

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    BMI is dumb. Waist circumference is becoming more important has an half-assed measure.
     
  9. Uglybob69

    Uglybob69 I miss beer.

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    I'm at 28 BMI right now :hs:
     
  10. ccrooks

    ccrooks New Member

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    what's the formula? i'll tell you mine

    EDIT: 26.1 :hs:
     
  11. michael

    michael FLORIDA > *

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    English BMI Formula
    BMI = ( Weight in Pounds / ( Height in inches ) x ( Height in inches ) ) x 703

    Metric BMI Formula
    BMI = ( Weight in Kilograms / ( Height in Meters ) x ( Height in Meters ) )


    http://www.bmi-calculator.net/
     
  12. michael

    michael FLORIDA > *

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    You have a BMI of 25.58. :rofl:

    I'm overweight :hs:
     
  13. Uglybob69

    Uglybob69 I miss beer.

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    Mine is probably more warrented than yours :rofl:
     
  14. ccrooks

    ccrooks New Member

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    :dunno: 5'9'', 177 lbs.

    weird
     
  15. deuceforty

    deuceforty between rupture and rapture

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    fuck, i got 26 also..
     
  16. cavefish

    cavefish You ain't a crook son, you just a shook one

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    You have a BMI of 39.58.

    BMI is between 35-39.99 (Obese Class 2)
    If you have a BMI of 35-39.99 your risk of weight-related health problems and even death, is severe. See your doctor and reduce your weight to a lower BMI.

    FUCK GUYS I'M GONNA DIE HELP.
     
  17. ccrooks

    ccrooks New Member

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    oh nose!:run:
     
  18. deuceforty

    deuceforty between rupture and rapture

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    35 inch vertical jump > you
    :bowrofl:
     
  19. bigdamray

    bigdamray New Member

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    :rofl: :rofl: :rofl: You have a BMI of 42.91.

    I'm Morbidly obese!!!!
     
  20. Layne Staley

    Layne Staley New Member

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    No. bf% and BMI have nothing to do with each other.

    For my BMI to be "normal", by bf% would be near single digits probably...freaking ridiculous.
     
  21. cavefish

    cavefish You ain't a crook son, you just a shook one

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    We should start a support group.
     
  22. Formz

    Formz Hipster Santa OT Supporter

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    30.4 obese :bowdown:
     
  23. scent of a wookie

    scent of a wookie OT Supporter

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  24. michael

    michael FLORIDA > *

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    ronnie coleman is about 44.
     
  25. Skeletor

    Skeletor Guest

    You have a BMI of 23.13.


    I'm puny enough to qualify for good insurance coverage :wtc:
     
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