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