High BMI Life Insurance
We are a leading specialist insurance broker for people looking to protect themselves and their families who are classed as non-standard because of their medical history, such as finding life insurance for High BMI.
Our expert advisers have worked with thousands of people with pre-existing medical conditions. We can help them to find the insurance they need and to save money. This includes people with a High BMI who are looking for life insurance, critical illness cover or income protection.
Insurance underwriting does tend to change dramatically from one provider to another for individual circumstances or medical conditions. This is especially the case for BMI as each insurer uses a different scale and has different BMI limits.
If you are overweight or obese and have been declined for life insurance elsewhere, we may be able to help you. We have found cover for 70% of customers that come to us who have previously been declined elsewhere.
How High BMI life insurance, critical illness cover and income protection works:
- Your current BMI (Body Mass Index) level
- Any recent weight loss or gain
- Treatment, medication or surgery
- Other weight related issues (e.g. Diabetes, Blood Pressure, Heart Conditions etc.)
- General health
Life Insurance with High BMI
There are a range of potential outcomes for High BMI life insurance in terms of the possible loading that can be applied to your premium. Your policy is mainly dependent on your BMI (Body Mass Index) reading. Other factors that providers will take into consideration when reviewing your application are:
- Any other pre-existing medical conditions i.e. diabetes, heart conditions etc.
- Any treatment or surgery that you have had or are awaiting
- Your waist/dress size
- Your general health
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.
Underwriting can also change for each provider over time, so if you have been declined previously but have managed to change certain aspects of your lifestyle or lose weight, it is worth applying for life insurance again.
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 be perfectly fit and healthy. This is often the case for people who are particularly tall or muscly, such as bodybuilders or rugby players.
Applications for High BMI life insurance where your BMI is considered to be more severe can vary widely. If you have other health issues then you will generally find that decisions vary from different providers.
There are certain circumstances where it may be more difficult to get High BMI life insurance. If your BMI is over 53 or you have more serious medical complications, you may find that your application results in being declined.
We will always check all possible providers for you to try and give you the best possible outcome. Everyone’s circumstances are different and we understand that, so will never turn you away before all routes have been explored.
How much does High BMI Life Insurance cost?
Every circumstance and every application is different. We would never be able to give you a cost without looking at your personal details, medical history and BMI.
In general, if you apply for life insurance when you have a high BMI but your body mass index does not exceed 40, you may be eligible to pay standard rates for most insurance policies. However, this would be down to the individual insurance company, as some offer an increased premium below this threshold. Anyone with a BMI of over 36 could be quoted a higher monthly premium.
At The Insurance Surgery, we have helped thousands of people with special circumstances and medical conditions get an insurance policy in place. Over 70% of people who have been declined elsewhere can secure life insurance through us.
We know exactly which providers to go to for your personal circumstances and all of our agents are highly experienced insurance experts. If your BMI is high, we can go to the providers that we know you have the best chance to get insurance through, so you do not have to search the market yourself.
High BMI Life Insurance rates
Most applications for High BMI Life Insurance are considered as ‘non-standard’ and subsequently incur higher rates. This is because obesity and high BMI can often lead to serious illnesses and many people with a high BMI go on to develop a medical condition.
If you are told your life insurance is non-standard it could mean that your rates are slightly higher, depending on your BMI. Underwriters could identify additional risks and your premium will be raised because of this,
Insurance companies use a risk-based scheme to determine the extra cost of life insurance cover. They may add an additional percentage or per mille loading to your premium. Guidelines vary for different insurance providers, which is why you may have received different quotes elsewhere. At The Insurance Surgery we compare these rates for you and approach the insurance providers that we know will cover you for your circumstances.
What should I expect to be asked when looking for High BMI Life Insurance?
If you are overweight or obese, you will be asked a series of questions to help find you a life insurance policy that covers you. Some of the questions below are what you may expect to be asked:
- What is your current weight?
- What is your height?
- Are you experiencing any weight-related health conditions?
- Do you have high cholesterol?
- Do you have a high blood pressure?
- Do you have Type 2 Diabetes?
- What is your general health like?
- How much is left to pay on your mortgage?
- How much cover are you aiming to take out?
- Do you know what type of policy you are looking for?
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 your BMI is within a certain range.
In some cases where the applicant has higher levels or if there is another medical or health issue involved, it may be more complicated. 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, 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.
By using The Insurance Surgery, we do all the hard work for you and check all possible providers. All you need to do is fill in our quote form once and you will be given free and impartial advice from your dedicated insurance expert. We will do everything on your behalf.
High BMI Income Protection
If you have been classed as having a 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 alongside a high BMI, it is possible. This would be 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. This is due to the strong links between obesity and health problems, which may then result in you having time off work if you do become ill.
Applications for High BMI income protection will also be based on whether you have had much time off work recently, and what the circumstances were for this absence.
Our customers love us.
Would recommend using this service
Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
First Class Experience
Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
Great, Quick Service
Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
Shelley Jenkins
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.
Nicola Storr
Useful Links
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.
Click the links below to find out more: