High BMI Life Insurance

Income Protection Insurance can be a little trickier. Providing a regular income if you’re no longer able to work because of an illness or injury, Income Protection Insurance offers a valuable degree of security. However, finding income protection if you’re overweight can be challenging because insurers may impose specific exclusions or limitations on your policy.

For example, if you have a high BMI and develop a weight-related condition like diabetes, high blood pressure, or heart disease, your insurer may have excluded any claims related to that condition. This means that if you’re unable to work because of that condition, you won’t receive any benefit/income from your income protection policy.

On the other hand, your insurer may, instead, offer you a policy with a higher premium, a lower benefit amount, or a longer waiting period before you can claim.

Your advisor at The Insurance Surgery will be able to outline any particular issues or waiting periods from the outset. We don’t expect you to understand how income protection works or what the terms and conditions of your policy mean. Instead, we’ll take the time to chat it all through in detail so you feel comfortable that you’ve got a plan that is likely to pay out when you need it to.