High BMI (Body Mass Index) life insurance, critical illness cover and income protection
We are a leading insurance specialist for people looking to protect themselves and their families who are classed as non-standard because of their medical history such as High BMI life insurance, critical illness cover and income protection. Our expert advisers have worked with thousands of people with pre-existing medical conditions to help them to find the insurance they need and to save money, which includes people with High BMI looking for life insurance, critical illness cover or income protection. Insurance underwriting does tend to change dramatically from one provider to another especially for BMI as some insurers use a different scale and have different limits.
How High BMI life insurance, critical illness cover and income protection works:
Very often there should be no major issues with getting cover such as High BMI life insurance, critical illness cover or income protection based on the following criteria:
- Your current BMI levels
- Any recent weight loss or gain
- Treatment, medication or surgery
- Other weight related issues (e.g. Diabetes, Blood Pressure, Heart Conditions etc.)
- General health
If you need more information or a quote for High BMI life insurance, critical illness cover or income protection then you should speak to one of our expert advisers. We aim to help people to protect your family, home or business with the right type of protection cover and to save money on specialist cover which includes a lot of people with High BMI who need life insurance, critical illness cover and income protection.
High BMI life insurance
There are a range of potential outcomes for High BMI life insurance in terms of the size of the possible loading that can be applied to your premium depending mainly on your BMI (Body Mass Index) reading. The other key point to consider is that underwriting and premium loadings for High BMI life insurance will vary from one insurance provider to another as well as the fact that underwriting can change for each provider over time.
It is possible to get High BMI life insurance at standard rates where the BMI levels are within a certain tolerance level with no further medical or health issues. The other thing to consider for High BMI life insurance is that you may be classed as having a higher than normal BMI but also be perfectly fit and healthy, such as people like bodybuilders or rugby players.
Some of the main factors to consider when applying for High BMI life insurance which will be considered by underwriters are:
- What is your height and weight (waist measurement / dress size)
- Do you have any other health problems (e.g. Type 2 Diabetes, High Blood Pressure, Raised Cholesterol, Heart problems etc.)
- Your general and overall health
Applications for High BMI life insurance where the levels of BMI are considered to be more towards the severe end of the scale or if there are other health issues then you will generally find that decisions can vary more dramatically. There are certain circumstances where it may be more difficult to get High BMI life insurance either where the levels are over 50 or for other more serious complications.
High BMI critical illness cover
It is possible to get High BMI critical illness cover at normal premiums or with a small premium loading as long as the levels are within a certain range. In some cases where the applicant has higher levels or if there is another medical / health issue then you may find that High BMI critical illness cover could be slightly more difficult to get.
In some cases where there are additional medical issues such as Type 2 Diabetes then there could be more issues with getting High BMI critical illness cover because of the additional health risks. Certain applications we see for High BMI critical illness cover are classed as outside the standard levels and require a more specialist provider or product.
High BMI income protection
If you have been classed as having High BMI and you need income protection, you might find that you can get cover in some cases where there are no major health issues or if your height and weight is within a certain level. Due to the increased health risks relating to being overweight it is more difficult to get High BMI income protection because of the strong links between obesity and health problems. Applications for High BMI income protection will also be based on whether you have had much time off work recently.
Independent reviews at feefo.com
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Useful Links
- BMI Helathcare UK: https://www.bmihealthcare.co.uk
- NHS Choices: https://www.nhs.uk/conditions/obesity/
If you need more help or a quote for High BMI (Body Mass Index) life insurance, critical illness cover and income protection then you can contact one of our advisers who can help.
The Insurance Surgery Ltd is rated 4.7/5 based on 320 reviews. Read our reviews
Sayoni from Newcastle
April 27th 2018
'Excellent service'
Steven Mahon was so helpful, explained everything perfectly during a time we were a little stressed. Very very happy with his service, will recommend thank you.
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