Work out underwriting score instantly with clear inputs, formula shown and shareable results.
Life underwriting scores age, build, smoking status and medical or family history to place an applicant in a rating class. Smoking and BMI carry disproportionate weight because they are the strongest modifiable mortality predictors in the population data insurers price from.
Score
Score = 100 - 0.6 x (Age - 30) - 1.8 x |BMI - 22.5| - Smoking penalty - 8 per adverse factor
Rating class
85+ preferred; 70-84 standard; 55-69 substandard; 40-54 heavily loaded; below 40 likely decline
Illustrative underwriting heuristic only, not an insurer's rating engine. Actual decisions depend on full medical evidence, financial underwriting and insurer-specific manuals. Not insurance or medical advice.
Yes, substantially — most insurers reclassify after 12 months smoke-free, with the largest reductions after two to three years.
Not always, but both ends of the range attract loading. Muscular builds are sometimes assessed on additional measurements rather than BMI alone.