Sitting here at my pc desk, my HR was 63 bpm. Think first thing in the morning when I've lied in bed, right after waking, and taken it, still about 60 bpm.

Though I'm considered fit by a doctor's standards, my HR is still always higher than you would expect because of my medicines. My asthma meds that I must take to prevent an exercise induced attack just spike my HR like crazy. Also, my allergy meds that are decogestant and antihistimine based affect my overall BP and HR as well. Seems like my HR on the Garmin bike pc is always at least a 100bpm- before I ever even start the ride.

I'm weighing more than I would like now, but am still about 20% BMI based upon just height and weight with a basic BMI calculation.

Sorry you are having a hard time with your insurance rates. I worry this is coming down the pike for us as well. Your's though sounds unfair. DH is so unhealthy and this year to not get a price increase had to do a health screening. Oh geez, if they start changing our rates based upon his health habits we are screwed.

Best of luck to you.