Life insurance if you have a
You might be worried that your weight could impact your ability to secure a suitable life insurance plan
But with our help, we can make sure that securing the cover you deserve is straight-forward, easy and stress-free. What’s not to love about that?
Helping you to find life insurance, whatever your weight
If you have a high BMI, you may wonder how it affects your chances of getting life insurance. BMI stands for body mass index and measures your weight relative to your height.
BMI is a tool used by insurers to assess your health risk and decide on the cost of your premiums.
Having a high BMI can make it harder to find affordable life insurance because of the greater risk of developing life-shortening medical conditions. But this doesn’t mean that you can’t get life insurance if you have a high BMI.
Typically, if your BMI is under 30, there’s no cause for alarm.
That’s because you’ll be included with most standard policies.
But if your BMI is over 30, insurance providers may request a little extra information about your general health and medical history.
You just need to speak to a dedicated team who knows what information those insurers might need.
A team like us.
One who will do everything we can to help make the process as straightforward as possible from beginning to end.
We don’t want you to ever feel that you cannot secure a life insurance policy because of your BMI. Insurers are very understanding and know that weight fluctuations are absolutely normal, and there are many different reasons why your BMI may be higher than you’d like.
No matter what is going on, our expert team is here to help you, making it easier for you to say what you want in a high BMI life plan.
Why choose The Insurance Surgery?
- Voted Best life and protection broker 2022
- Rated 5* on Trustpilot and Feefo
- Access to high street and independent insurers
- 20 years’ experience
- Price match promise
Can you get life insurance if you have a high BMI?
Yes, you can get life insurance if you have a high BMI, but in some circumstances, you may find that your premiums are more expensive.
The Insurance Surgery are specialists in pre-existing medical conditions. If you’ve got a complex medical history and this has led to your BMI increasing, then please talk to us.
We take the time to get to know you, and we understand your medical background. Where online algorithms or comparison websites say no, we do what we can to say yes.
That’s because we believe everyone deserves to have lasting financial protection.
We specialise in tricky or complicated medical conditions, finding suitable life insurance plans for people who may have struggled to find cover elsewhere.
If you’re looking for life insurance after being declined elsewhere because of a high BMI, give one of our advisors a call or start a live chat to discuss your options.
How does BMI affect life insurance?
Your BMI affects your life insurance because it is an indicator of your overall health and wellness.
Life insurance is different if you’re overweight because insurers may consider you a higher-risk customer, meaning that you are more likely to claim due to a weight-related illness or injury. Statistically, your weight may put you at risk of further health conditions such as cancer, stroke or heart attack.
This is why they may charge you higher premiums, offer you lower coverage, or even decline your application.
But statistics don’t always tell the whole story when it comes to your health.
And being overweight or obese shouldn’t mean that you can’t find financial security.
The maximum BMI for life insurance depends on the insurer and the type of policy.
- Generally, most insurers will accept a BMI of up to 40 for term life insurance, which covers you for a fixed period of time. However, some insurers may have lower or higher BMI thresholds, depending on the level of risk they are willing to accept.
- For whole life insurance, which covers you for your entire lifetime, the maximum BMI may be lower because this type of policy is more expensive and has a higher payout.
The good news is that you can still get life insurance if you are obese or overweight and have a pre-existing condition. Your premiums might be higher, but that doesn’t mean they are not still affordable.
With our support, we can talk to you about your BMI and find out more information about your medical history and the severity of your condition. We’ll also talk to you about any current treatment plans or your lifestyle.
Armed with that information, we can speak directly to insurance underwriters and give them an accurate assessment of your general health. In some scenarios, the underwriter may ask you to take a medical exam or provide additional information from your doctor – but we can communicate those steps with you as and when they happen.
We believe that all life insurance plans should be affordable and accessible. That’s why we promise that you will never pay a penny more for a life plan elsewhere. Our price promise guarantee is our way of ensuring that you will always find the best value for your life insurance plan.
Which conditions are worsened by a high BMI?
When you have a high BMI, you carry a higher risk of developing health conditions such as type 2 diabetes, heart disease, fatty liver diseases, or cancer.
A high BMI can worsen existing health conditions, too, such as increasing your blood pressure or making breathing problems more severe.
What does a healthy BMI look like?
The average BMI in the UK is 27.0.
A BMI of 25.0 or more is classed as overweight, while the healthy range is 18.5 to 24.9.
The easiest way to work out your BMI is to use an online calculator like this one from the NHS. It’s a simple calculation using your height and weight.
It’s always recommended to calculate your BMI ahead of contacting The Insurance Surgery for a life insurance quote.