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Obesity Life Insurance

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Obesity Life Insurance

Obesity Life Insurance

How Life Insurance for Obese People Works

Getting life insurance when you’re classed as obese or have a high BMI can sometimes be a daunting process. Different insurance providers have different BMI limits, which means you could feel as though you are being rejected at every turn.

If you have been declined life insurance elsewhere, we can help. We are a specialist broker and we know the best insurance providers for your personal circumstances. If you are looking for a new life insurance policy and you are not sure where to start, we can help.


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If you are unsure how a life insurance application will work when you are overweight or obese, a good place to start is knowing what you may be asked. Underwriters will need to know certain key factors when considering your application for Obesity / High BMI Life Insurance.

These include:

  • Height, weight and waist measurement / dress size
  • Any regular medication you are taking
  • Medical history
  • Any surgery, treatment or if you’re currently awaiting surgery
  • Any other medical conditions

The Insurance Surgery specialise in ‘non-standard’ applications such as Obesity Life Insurance. We love to help people that have been declined cover elsewhere due to their weight or another medical condition.

Our expert advisors regularly assist people classed as overweight or obese. It is possible to find life insurance cover if you are obese, even if you have other medical conditions. Your specialist adviser will search the whole of the market to find the most appropriate cover for you and your family.

Frequently Asked Questions About Obesity Life Insurance

We answer your most frequently asked questions so you know exactly where you stand before applying for a life insurance policy.

Being classed as obese or morbidly obese can result in you paying higher than the standard price for cover. Your application will be assessed on your personal statistics and health so the premium is tailored to you. Our highly experienced advisors know which insurers offer the best rates for your circumstances to help you find an appropriate policy.

We understand that everyone’s personal circumstances are different. Life insurance is not a one size fits all situation. We can take you through the entire process so that you have all the information and knowledge that you need.

It is possible to get life insurance if your weight is over your “perfect” BMI. You can get life insurance at standard rates when the BMI levels are within a certain tolerance level with no further medical or health issues.

Applications for Obesity life insurance where your BMI is considered to be more severe can vary widely. If you have other health issues involved, then you will generally find that decisions vary from different providers. We can compare the different premiums for you and find you the best option.

There are certain circumstances where it may be more difficult to get life insurance if you are classed as obese. If your BMI is over 53 or you have more serious medical complications, you may find that your application results in being declined.

It is also worth mentioning that if your BMI is classed as obese, yet you are perfectly fit and healthy, we can take this into consideration. We often find that people who are particularly tall or muscly, such as bodybuilders or rugby players, can be rejected elsewhere. We can take this into account when trying to find you a life insurance policy that you are happy with.

Your premiums for life insurance if you are overweight, will depend on:

  • Your current health
  • Your BMI
  • Your Age
  • The type of insurance product you’re looking for
  • The term of your policy
  • Whether you smoke or not

There are other aspects of your lifestyle that you will be asked about when applying for life insurance if your are overweight or obese. This will give us a better idea of how much cover you will need for your life insurance and how much you will want to pay out when the worst does happen.

Some things to consider are:

  • How much is left on your mortgage
  • Any other outstanding debt including loans, finance, credit cards and overdrafts
  • If you have any dependents
  • If you are wanting to leave behind any money for your spouse or partner
  • Your annual income after tax
  • Any assets you may have including car, house and business
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There are a few ways to reduce the cost of your life insurance premiums if you are classed as overweight or obese, and the payments seem a little out of reach for you.

If you are finding the policies to be unaffordable, we can look at the following ways to reduce those monthly payments:

Reduce cover

Taking out less cover can make it more affordable. You may want to just cover your funeral costs or the amount of mortgage you have left to pay off, rather than leaving behind an additional lump sum for your children or partner.

Reduce the policy term

Taking out a policy over a shorter period can help you to cut the cost. This could work for you if you are older, your children have already moved out and started their own lives and you have nothing left to pay on the mortgage.

Quit smoking

It may be easier said than done, but a non-smoker will get much cheaper premiums that a smoker in all situations. This includes whether you have a medical condition, are overweight or are otherwise healthy. After 12 months of quitting smoking, you will be classed as a non-smoker.

Lower BMI

Again, this can be difficult to do but losing weight and lowering your BMI is the best way to reduce your life insurance costs.

Here at The Insurance Surgery, we are proud of how we look after our clients long term. We offer a free review service to ensure you have the right of cover at the right price. You can read more about this on our Life Insurance Review page.

No fee is payable at any part of the process with us. We are paid a commission by the insurer when you take a policy out. This is how we cover our costs and deliver you a completely free service.

If you do change your circumstances in any way, we can take a look at your existing policy to make sure you still have the best cover. We find a lot of people need to take a look at their policy if they have started a family, moved house, taken out a mortgage or have a new job.

If you have significantly reduced your weight, we can review your policy at any time to search for cheaper cover. You may have managed to lose enough weight to be able to take out life insurance now, whereas before you have struggled to find cover. If you have already got a life insurance policy in place, your premiums may be reduced now that your BMI is lower.

We understand that losing weight can be difficult for many people. It is something that takes a lot of hard work and determination, and it is a long haul process. You do not need to hit your “ideal” weight before contacting us. Even if you have managed to reduce your BMI slightly, it could make a big difference in your premiums and offer you better protection for a lower monthly payment.

Remember that your GP can support you in losing weight and help you find the healthiest way to do it through a balanced diet and exercise.

Insurers may want a postponement period following any surgery. However, this will depend on what procedure you have had. Different weight loss surgery options have different effects on your body, so you will need to discuss this when applying for a life insurance policy. You will also need to take into considerations when you had the surgery, as recovery times and results can vary.

Our experienced team can advise you on what options are available to you. If you need to postpone full cover, this doesn’t mean you need to go without any protection at all.

The Insurance Surgery can help you arrange interim cover in this period that would exclude pre-existing conditions. Our advisors carry out regular reviews and would contact you to update your cover following the specified postponement time.

This way, you always have that peace of mind that if anything was to happen to you, you will be covered by a life insurance policy.


If you have been declined elsewhere, we can still get you cover for life insurance.

Applying through a specialist broker means the best insurers are approached to find the right cover for your personal circumstances. The Insurance Surgery have been sourcing cover for people in the higher weight ranges for many years. We know which insurers to go to across the whole of the market to find you the cover you need.

Our service is completely free – our costs are covered by the insurance company who we find you cover through. If you have been declined elsewhere, we can find a company that covers your needs. Over 70% of customers that are declined by insurance companies previously, are covered through us.

We have many Life Insurance companies on our roster including all the big names such as Royal London, Aviva, Legal & General and British Friendly. We also have access to specialists in niche insurance products to cover all medical conditions. All providers are authorised and regulated and are experts in different types of life insurance.

The Insurance Surgery works to help people find Obesity Life Insurance on a regular basis. We understand how the insurance providers will view your application. As experienced brokers we know what information insurers will require.

We can obtain any medical reports etc that may be needed to ensure your application is successful and cover is secured. We do all the hard work by researching the best policies from the best insurers so you don’t have to.

You should be able to get critical illness cover policy if you are overweight, as long as you are within a certain BMI level. Most insurers will offer critical illness cover to people with a BMI of less than 40 with no issues.

If you’ve applied for critical illness cover in the past and had issues being declined, The Insurance Surgery can help. We know which insurance companies to approach as our expert team have years’ worth of industry knowledge.

When you apply for critical illness cover, there are some things you need to consider:

  • Your Annual Income (after tax)
  • Your annual mortgage or rent payments
  • Your annual cost of living
  • How much you pay on bills per month
  • Any other costs across the year including medical treatment.

Similar underwriting guidelines to critical illness cover are followed by insurance providers when applying for income protection cover.

Your chances of obtaining income protection cover can vary from insurance providers. It would all depend on your current health and your BMI. If you have a high BMI and want to discuss your options, contact us on 0800 083 2829 or fill out our online quote form here.

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Some UK Stats on Obesity

  • A person is classed as having a high BMI (Body Mass Index) if the range is between 25-29
  • A BMI of 30 or more is considered obese
  • 1 in 4 UK adults are classed as obese
  • Over the last 30 years, numbers classified as obese in the UK have increased by a third

What is BMI?

Body Mass Index (BMI) is a calculation worked out as a relationship between your height and your weight. It does not account for age, gender and body composition. It is used as a measure to assess body condition.

Most insurance providers use BMI (Body Mass Index) to assess your personal height and weight ratio. Some insurers use the US BMI scale and others use the UK version which is slightly different. Insurers using the US scale tend to be slightly more lenient on BMI, so we can use this information to find you the right policy for your circumstances.

For most adults, an ideal BMI is in the 18.5 to 24.9 range.

If your BMI is:

Below 18.5 – you’re in the underweight range

Between 18.5 and 24.9 – you’re in the healthy weight range

Between 25 and 29.9 – you’re in the overweight range

Between 30 and 39.9 – you’re in the obese range

Understanding which category your BMI falls under is a good place to start when it comes to looking for life insurance. If you are unsure of your BMI, we can work this out for you so that we can give accurate information to whichever life insurance company we apply to for you.

It is never a good idea to give inaccurate information when you are taking our a life insurance policy. An inaccurate BMI can invalidate your policy if you or your family need to claim against it. Ensuring that all your information is up to date will help your family in the future and give you the peace of mind that they will be able to obtain the costs they need to cover your funeral plans, pay off your mortgage or have the money to support your children.


What Are The Risks Of Having A High BMI?

With increased weight and a high BMI comes increased risk of medical conditions. Insurance companies assess your level of risk when you apply for a life insurance policy through them. If they decide you are too high of a risk, this is when your application may be rejected.

Lots of people with a higher than average BMI have no other medical conditions, however they are at a greater risk of developing one down the line. Your BMI is an indicator of how likely you are to live a long, healthy life.

Medical conditions can be varied and affect different people in different ways. Some medical conditions that may develop from having a high BMI include heart disease, high blood pressure, sleep apnoea, liver problems, type 2 diabetes and joint / bone problems.

If you do have a medical condition that you think may affect your chances of obtaining a life insurance policy, we can assess this and help you find somewhere that may cover you. Every insurance company has different levels of acceptance, and we will be able to find the one most likely to help you.

It is important that you disclose as much medical information as possible to us within your application so that we can use this going forward.


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Useful Links

Do give us a call to see how we can help you to get Obesity Life Insurance. Our Freephone number through to our expert advisors is 0800 083 2829. Or fill in the quick and easy online form and one of the team will give you a call.
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Click the links below to find out more:

The Insurance Surgery Is A Leading UK Specialist In Life Insurance For People Living With Obesity

Obesity is one of the leading causes of preventable death in the UK and is a growing concern. This stems from various factors including changes in diet, more sedentary lifestyles and a revision of what is classed as obese.

If you are living with obesity it can have an effect on the premium you will pay for your insurance policies.

The Insurance Surgery have years of experience helping clients who are obese. We know the best insurance companies to approach in order to get you the most competitive rates available.

Contact us today to let The Insurance Surgery find you the most competitive quotes for all your insurance needs.

At The Insurance Surgery, we have years of experience helping people with obesity obtain the cheapest life insurance possible. Insurance companies treat each condition individually, we make sure we approach the best life insurance company for your circumstances.

Enter your medical details into our online system to be supplied with travel insurance quotations from over 20 providers within minutes. You will only need to enter your information once.

You may be able to obtain Income Protection Insurance if you live with Obesity or high BMI. Each insurer will need to know your individual circumstances and whether there are any other medical conditions present.

If you require Private Medical Insurance we will be able to provide you with advice on the various options available.

Critical Illness Cover can be difficult to obtain if you have a high BMI. Some people with a higher BMI can get Critical Illness Cover off application, however a medical screening or GPR may be needed. Some will be unable to obtain Critical Illness Cover other than the exclusionary cover. 

At The Insurance Surgery, we work with a large range of providers. We can check the best providers to see if you can obtain Critical Illness Cover for your personal circumstances.

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