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Impaired Risk Specialists
since 1959


Underwriting 101 - Build

Dear (Contact First Name),

Hello, and welcome to our March 2012 edition of Impairment Profile. We hope to bring you more technical information on impairments we see every day. This may not be for you and that is fine.  However, I get questions daily on different diseases, so I thought why not tell you some of what I know! 


Build is one of the basic life risk characteristics and one of the oldest.  The Center for Disease Control (CDC) reports that in 1999-2000 64% of American adults are overweight or obese. Overweight conditions, or obesity, are often precursors to hyperlipidemia, diabetes, cardiovascular disease, or cancer.  While an underweight condition may be normal, it may also be an indicator of an eating disorder or an underlying acute or chronic illness.


Those whose excess weight is muscle and bone, with little fat, and whose weight distribution is good are better risks than the obese. Body mass index (BMI) is a commonly used measurement of adiposity (fat as opposed to muscle) per height. The build table takes this into consideration by giving a weight range classified by height and BMI. Significantly overweight patients have an increased risk for coronary heart disease, diabetes, hypertension, and hyperlipidemia.


Underwriting Offers 

While each case is different, a 65-year-old male who is 6'0" and 280 lbs. can get a nonsmoker plus offer!

I hope you have found this useful.  We will send this out monthly until the end of the year.  If you have an impairment you would like for me to highlight, simply drop me a note!


Patty Longmire

In-House Underwriter

865.588.9555 x13

800.624.4502 x13
Tennessee Brokerage Agency