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. 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 each insurer uses a different scale and has 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 however this depends 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 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.
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/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, 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 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 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, which may then result in you having time off work. 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.
Independent Reviews at 
The Insurance Surgery - Life insurance review for Ian from Halstead
2 weeks ago
Insurance surgery were extremely helpful throughout the process. I dealt with Greg, he kept me informed and updated throughout and even more so when we hit a few set backs. I’ve got my insurance now a... read more
The Insurance Surgery - Life insurance review for Sirinya from Taunton
3 weeks ago
Very good, efficient and fast prompt service read more
The Insurance Surgery - Life insurance review for Ross from Isle Of Bute
3 weeks ago
They did everything they said they would, I struggled to get insurance for my condition but the Insurance Surgery made sure they found me the best possible deal available. read more
The Insurance Surgery - Life insurance review for Paul from Wallington
3 weeks ago
Excellent, so helpful no pressure just an amazing service read more
The Insurance Surgery - Life insurance review for Mohamed from Wigston
4 weeks ago
Josh at the insurance surgery was outstanding, couldn't do enough for me to get my health insurance sorted.well done !You deserve 5 stars, I wouldn't hesitate to recommend you to family and friends.Th... read more
The Insurance Surgery - Life insurance review for Vishnu
1 month ago
Good understanding of one's needs rather than pushy sales. read more
The Insurance Surgery - Life insurance review for Nathan from Swindon
1 month ago
They were very friendly and very helpful finding me a cover I was happy with. Great service, would definitely recommend. read more
The Insurance Surgery - Life insurance review for Gertrude from Birmingham
1 month ago
Prompt response and constant support throughout. read more
The Insurance Surgery - Life insurance review for Matthew
1 month ago
Very helpful, everything was done so quickly and the person I spoke to who sorted everything was amazing. read more
The Insurance Surgery - Life insurance review for Rebecca from Bishop'S Stortford
1 month ago
I was lucky to have Andy be my point of call for any queries and for all updates.Andy was very pleasant, he was always phoning for updates and reassurances and he was very professional.Andy was simply... read more
The Insurance Surgery - Life insurance review for Stefan from Mansfield
1 month ago
Really super service from start to finish. Greg was so helpful and sorted life insurance for myself and my husband. Thank you so much. read more
The Insurance Surgery - Life insurance review for Valerie from Falkirk
1 month ago
Very helpful indeed. Took away the hassle of shopping around. read more
The Insurance Surgery - Life insurance review for Alan
1 month ago
Great knowledge from Andrew Hellyer, I arranged for a call back and he called back when requested.Fits in with what I was looking for. read more
The Insurance Surgery - Life insurance review for Kwame
1 month ago
I found the service pretty easy to use and got the best deal on offer. They were also very helpful and attentive. read more
The Insurance Surgery - Life insurance review for Lee from Pontyclun
1 month ago
They found us the prefect product and were incredibly patient with our slow replies due to work commitments.Perfect product for our lifestyle. read more
The Insurance Surgery - Life insurance review for Alan from Harwich
1 month ago
organised my life insurance request in a very professional manner and actually saved me some money. read more
The Insurance Surgery - Life insurance review for Taiwo from London
1 month ago
I found a link to The insurance surgery on the Which website so I was looking for a company to deliver a good product, good customer service, no upselling, and no hard selling, The insurance surgery d... read more
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.
Specialist and Free Advice from a team of experts
Speak to our team of experts to find out how much we can save you today...
Call 0800 083 2829
Monday to Thursday: 8:30am - 8:00pm Friday: 8:30am - 5:00pm
