Can you get life insurance if you're overweight?
Yes, you can get life insurance if you're overweight or have a high BMI.
Generally, if your BMI is under 30 and you're in good health, then you could be offered a policy at the standard price.
If your BMI is over 30, then this could affect the cost of your premiums, or your ability to secure a policy depending on your personal circumstances.
At LifePro, we offer a fee-free service that could assist you find affordable deals from some of the UK's best high BMI life insurance providers.
Our dedicated experts are on hand to provide support and assist you arrange some form of cover, even if you've been declined in the past.
Continue reading this guide to learn more about arranging life insurance if you're classified as overweight, obese or morbidly obese.
How does BMI affect your life insurance?
BMI can affect your life insurance application and the cost of your policy.
Particularly with a high BMI, the price that you pay may be higher than for someone with a lower BMI due to the increased risk of developing certain health conditions.
As part of the application process, insurers will ask for your height and weight so they can calculate your BMI (which determines your weight range - see below).
If your BMI is between 25 and 29.9 then you may be able to secure your chosen policy at the standard rate, depending on your health and smoking status.
If you have a BMI over 30 then you're more likely to be considered high risk to insure and your premiums may be increased accordingly.
What is BMI (Body Mass Index)?
Why use LifePro to compare life insurance for overweight?
- Whole-of-market comparison from 50+ UK insurers
- Expert advice from FCA-regulated advisors
- No extra cost - insurers pay our commission
- Fast quotes in 60 seconds
- Support throughout your policy lifetime
Best life insurance for overweight
There isn't a 'best life insurance' for overweight people as everyone has different needs and circumstances.
The policy that's right for you will depend on your age, health, budget and what you want to help protect.
We have outlined the various policy types available below to assist you decide which may be the best option for you.
How much does life insurance for overweight cost?
The cost of life insurance for overweight will depend on your individual circumstances and the policy you choose.
With the exception of an over 50s plan, the following factors are taken into account to calculate your monthly premium:
How much overweight life insurance do you need?
calculate how much life insurance you may need based on your current financial commitments and what you want your policy to cover. Simply complete the fields which apply to you for an instant calculation.
The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.
Consider the following when calculating your life insurance needs:
- Outstanding mortgage balance
- Other debts and loans
- Income replacement for your family (typically 5-10 years of salary)
- Children's education costs
- Funeral expenses (typically £4,000-£10,000)
- Any specific financial goals for your dependents
For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).
Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Life Insurance For Overweight, and find the right level of cover for your needs at the best available price.
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Can you get life insurance if you're obese?
Yes, life insurance for obese applicants is available with most insurers, but depending on your age and health, you're more likely to pay a higher premium.
In some cases, insurers may require further information about your circumstances to help assess your application.
For example, insurers may want to know:
Life insurance for overweight applicants with pre-existing conditions
As previously mentioned, it's unlikely that you'll be declined life insurance purely due to your weight alone.
However, if additional health complications exist, whether this be as a result of your weight or not, you may find it more difficult to get accepted.
Some common pre-existing medical conditions which have been linked to obesity include:
Compare life insurance quotes for overweight individuals
Whilst it's possible to arrange life insurance cover if you're overweight, the cost can vary significantly between insurers.
Therefore, to ensure you receive the best deal available, it's recommended to compare multiple quotes.
At LifePro, our award-winning team can assist you to discover the best quotes from our panel of insurers, saving you time and money.
So, contact us today and secure your loved one's financial future, whatever it may hold.
