Life Insurance with Obesity

Life Insurance

It is a common struggle for many people to deal with overweight issues. Some individuals are content with a few extra pounds, while others prefer to work on losing weight.

The type of life insurance you are eligible for might be impacted by your weight, but our advisers can assist you in selecting the appropriate insurer.

Information we must be aware of:

• What is your current height and weight?
• Is your higher BMI caused by another medical condition?

Life insurance applications from individuals with a BMI score of 33-36 (depending on age) may be accepted at standard terms, even if overweight. Certain insurance companies may raise the premium at some point.

Finding the right insurer can be challenging sometimes if you’re on your own. Insurers take into account factors like height, weight, age, and some may provide rewards for those making efforts to eat healthier and exercise.

Individuals with a BMI over 36 might experience price increases from insurers when looking into life insurance.

As individuals age, life insurers tend to be more favorable towards those with higher BMIs. It is commonly accepted that gaining weight as we age is a natural process.

Individuals with a BMI of 50 or higher must seek out a specialized life insurance provider for their application.

Your higher BMI could be a result of having a higher muscle mass, due to your fitness level. If that’s the situation, it might be wise to have a chat with the insurer to ensure they consider this when looking at your application.

Critical Illness

Individuals with a BMI of up to 45 can usually find critical illness cover when applying. Certain insurers may raise policy premiums for BMIs of 30 and above.

A BMI of 33 is typically when critical illness policy premiums may be impacted. Age will play a role in how your application is reviewed.

Typically, insurers offer standard conditions to individuals with a BMI between 17 and 33.

Individuals with a BMI of 45 or above may not be eligible for critical illness cover through regular insurance providers at this time.

Income Protection

Income protection applications may be available at standard terms for individuals with a high BMI, up to a BMI of 36. Some insurers raise premiums if your BMI reaches 30 or higher.

Finding the right insurer that offers favorable terms for individuals with a higher BMI is key.

Insurance companies will need information on your height, weight, age, and whether your overweight is due to another medical condition. In cases where a higher BMI is due to conditions like diabetes or polycystic ovary syndrome, the insurer will require additional information on them.

A BMI of 45 or over is likely to result in your income protection application being rejected by many standard insurers. There are certain insurance providers that we can contact for you.