Topic: Life Insurance is screwing me

[Andy Dick]

Ok, so I was making adjustments to my life insurance.  When I did I got a letter that they are making adjustments to my policy because of my "cardiovascular profile."  One of the intems they use to determine the profile is BMI.  Anyone who knows anything about exercise science knows that BMI for athletes are screwed up because of having higher amounts of muscle mass.  Since high school when I was a wrestler, I have always had a high BMI for that reason.  Has anyone ever encountered anything like this and did they fight it and win?  I know I can show them studies and writings that state that it is scewed for athletic populations but I am guessing they will just send me a big FU anyway.  Does anyone have any ideas or advice.

[TheRedReaper]

Well you're an idiot for getting insurance to begin with. Sorry.
 
Anyhow, are you simply a muscled lightweight, or a fat ass superheavyweight like me? If you are visibly muscled and not fat, then shouldn't it be easy to appear in person at their office and explain you're heavy because you're a weightlifter? (And they'd see it was true if you wear a muscle T-shirt LOL)
 
But if you're a real big heavyweight who has eaten too much to encourage excessive weightgain, you might be screwed.
 
Good luck, anyhow.

[movmasty]

Well you're an idiot

To insult people should not be admitted.

[TheRedReaper]

To insult people should not be admitted.

It wasn't an insult. It's a way of speaking in English that you do not understand.
 
Are you not going to reply to my post about how you should be listening to people and asking questions instead of telling them so and so? Because you're doing it again.

[Chris Ⓐ LeRoux]

Can you shop for a different company-policy?

[movmasty]

Ok, so I was making adjustments to my life insurance.  When I did I got a letter that they are making adjustments to my policy because of my "cardiovascular profile."  One of the intems they use to determine the profile is BMI.  Anyone who knows anything about exercise science knows that BMI for athletes are screwed up because of having higher amounts of muscle mass.  Since high school when I was a wrestler, I have always had a high BMI for that reason.  Has anyone ever encountered anything like this and did they fight it and win?  I know I can show them studies and writings that state that it is scewed for athletic populations but I am guessing they will just send me a big FU anyway.  Does anyone have any ideas or advice.

Just get your fat % and show them, also to keep the body in exercise should be considered, and you can claim for a reduction instead.

[Andy Dick]

It wasn't an insult. It's a way of speaking in English that you do not understand.

I am at a loss on how this was not an insult myself and I do speak English.  I do not find it idiotic to buy insurance that if I would happen to die my wife and 2 childre at least have some sort of support since I am the provider in the family.
 
All everyone elses suggestions I have contemplated, I was happy with my company because it had good rates.  I am waiting for my writer to get back to me so we can talk about it some.  In my experience being a single individual dealing with insurance companies, showing them my %, good blood pressure, etc wont mean a thing.  I figured all companies basically used BMI for thier profiles so I havent shopped.  I was just hoping someone would have had a story of something that helped with them.  My old training log had a video of my lifting from about May, I look the same, I did not look at myself as fat.

[TheRedReaper]

I am at a loss on how this was not an insult myself and I do speak English.  I do not find it idiotic to buy insurance that if I would happen to die my wife and 2 childre at least have some sort of support since I am the provider in the family.

Yes. Just don't forget to insure your house, car, cock, and everything else you own. How is anyone supposed to get rich easily if other people won't give them cash for something that "might" happen. And if it does happen, the insurance company will find some technicality to use as a way of weasling out of the contract where ever they can. Bodyweight sounds like a perfect excuse...
"We're not paying the insurance, he was clearly unhealthy before he died. We only insure healthy people who are unlikely to die."
 
It wasn't an insult, anyway. It's just the way I talk. Tasmanian English. But it is not polite to fail to admit what oneself truly feels, as movmasty claims. Being polite is being understanding enough to be able to forgive most things, so when the truth comes naturally it does not give offense at all. If my truth does offend you, then I'm sorry, perhaps movmasty was right (about me being not polite person, at least). But at least you know I've left nothing unsaid...
 
For what it's worth, I would rather save money and invest it in undeveloped land or gold in my daughters name than buy insurance. That way you know the contract is iron clad. This is what I intend to do. My daughter as it is already stands to inherit a small house and a block of rubber tree plantations if I fall  off my motorbike and crack my head open tomorrow. She's only 2, but. I plan to leave her an actual business if I live for the next 15 years or so.