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BMI Underwriting Tool
Quick LIC underwriting risk classification
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.