Insurance company tables are probably letting you be slightly more than what you should be because it's not till you're quite a bit above "normal" that your health is very compromised...that's my opinion anyhow. Watch out for some of the tables...quite a few are just averages and they tend to be too low in weight. I remember seeing a bar chart using current date...BMI vs Lifespan....it only showed 20, 25, 30, 35, 40......lifespan was greatest at 25, 30 was lower and the same as 20, 35 was lower still, and 40 much lower still. BMI doesn't tend to be that accurate either. I would stick to fat percentage...because that actually takes into account your composition. Oh, and dont worry about "looking overweight" cos that's more an aesthetic thing, it's to do with what believe have come to accept as normal and it's not based on science or anything...you could be the perfect size to be healthy, but people still think you're bigger than you should be simply because what people have come to believe themselves. Not sure if that makes sense.

V