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?