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UK drinking itself to higher protection premiums according to Standard Life

The UK is drinking its way to obesity and making protection far more expensive and in some cases unachievable according to Standard Life.

New research shows the average adult in the UK drinks an extra day’s worth of calories each week through alcohol. Each year UK adults drink around 155,000 calories, which adds on average 44lbs a year, contributing to the nation’s growing obesity problem.

Standard Life Protection marketing manager Mick James says: “The indirect financial impact of a ‘growing’ nation can affect anything from your private medical insurance to life insurance and critical illness insurance.

“These can all be far more expensive if you have a body mass index over the average for your height and age. In the worst case scenario you might actually be declined cover.”

Someone with a body mass index over 30 is technically obese. Standard Life would typically charge an extra 75 per cent for life insurance for someone with a BMI between 32.6 and 35.

The research shows men are drinking almost 200,000 calories through alcohol annually while women are consuming 110,000 each year.

James says: “These numbers paint a stark picture of how Britain is heading towards alcohol-induced obesity. With clear links to the incidence of diabetes, hypertension, heart attack and other cardiovascular conditions, obesity is of growing concern to public health.

“There is also a degree of evidence to suggest obesity has actually been reversing the improvements in mortality, made as a result of improvements to medicine. Society seems to be making choices to shorten its life expectancy.”


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