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 depending mainly 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 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.
Applications for High BMI life insurance where your BMI is considered to be more severe or if you have other health issues then you will generally find that decisions can vary more widely. There are certain circumstances where it may be more difficult to get High BMI life insurance either where your BMI is over 55 or for other more serious medical complications, which may result in your application being declined.