Cumming Marianne E, Pinkham C Allen
Swiss Re Life & Health America Inc., 1700 Magnavox Way, Fort Wayne, IN 46804, USA.
J Insur Med. 2008;40(1):26-33.
Obesity assessed by body mass index (BMI) is associated with increased mortality risk, but there is uncertainty about whether BMI is the best way to measure obesity. Waist circumference (WC) has been proposed as a better measure. The Swiss Re BMI/WC Study was conducted to determine whether BMI or WC is a better predictor of future all-cause mortality in a large male insurance population. Using Cox proportional hazard models, risk ratios for increasing BMI and WC were 1.033 (P < .001) and 1.027 (P < .001), respectively. Risk ratios for obesity defined by BMI > or = 30 kg/m2 and WC > or = 40 inches were 1.33 (P < .001) and 1.20 (P = .002), respectively. In this study, BMI and WC are essentially equivalent in their ability to predict mortality risk in a male insurance population. Obesity, measured by either BMI or WC, has important underwriting and pricing implications.