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BMI Underwriting Tool

Quick LIC underwriting risk classification

Height: 170 cm

Weight: 70 kg

24.2

Normal

UW Decision: Standard Rates

Eligible for standard LIC premium rates. No extra loading expected.

LIC BMI Reference

< 18.5Underweight

18.5 – 24.9Normal

25 – 29.9Overweight

30 – 34.9Obese I

35 – 39.9Obese II

≥ 40Obese III

For accurate underwriting decisions, refer to LIC Divisional Office guidelines.