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Sepsis and thyroid can cause lower body temps. 98.8 is considered the average-not everybody falls into the average. Too, I've read that temperature fluctuates.
The body temperature is just a measure of the body's ability to maintain its temperature levels in spite of the surrounding external temperature. There are various causes of low body temperature, and for a doctor to simply guess what the cause is, would be fairly unprofessional. The lowering of body temperature of an individual usually accompanies many other symptoms, and therefore, a careful investigation is required.