The Insurance Question I’m Still Not Confident I’ve Answered Correctly
Ester Bloom

Why didn’t the examiner ask you about exercise or diet, but did ask about smoking? Well, actuarial tables exist to account for the effects of smoking, and a host of other conditions. There simply aren’t actuarial tables to account for self-reported exercise or dietary habits, so the examiner is not going to ask about those things. Such tables, especially for dietary habits, would be difficult-to-impossible to write with any degree of accuracy. Just using your BMI as a proxy for those things is easier to measure, accounted for in existing tables, and “good enough”.

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