I think that BMI is a guide only based on averages and statistics. I haven't heard the rumour about the insurance compnay.

I don't think I'm ever going to have a BMI under 25 - just my bone structure and how much muscle I have. I have read that some elite athletes have a BMI of over 30! Maybe fat % is what everyone should be worried about...but that is hard to accurately measure I've been told.