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Obesity Life Insurance

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Obesity Life Insurance

Obesity Life Insurance

How Life Insurance for Obese People Works

Some key factors that underwriters will need to know about you and your health when applying for Obesity / High BMI Life Insurance:
  • Height, weight and waist measurement / dress size
  • Regular medication you are taking
  • Any surgery or treatment OR Currently awaiting surgery
  • Any other medical conditions
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The Insurance Surgery specialise in ‘non-standard’ applications such as Obesity Life Insurance. This simply means we love helping those people that have perhaps been turned down elsewhere, whether that is due to their weight or perhaps another medical condition. Our team of expert advisors regularly assist people who are obese to find the life insurance they need, even if they also live with other medical conditions. Your specialist adviser is able to look across 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.

Being classed as obese can result in you paying a higher than the standard price for cover, such as Obese or Overweight Life Insurance. Your application will be assessed on your personal statistics and health so the premium is tailored to you. Here at The Insurance Surgery, the team of highly experienced advisors know which insurers offer the best rates for your circumstances and can help you find an appropriate policy.

Here at The Insurance Surgery, we are proud of how we look after our clients long term. We offer a free annual review service to ensure you have the right level of cover at a good price as your life and health alters. We can also review at any other time if you know you have significantly reduced your weight and you would like us to search for cheaper cover.

Insurers may want a postponement period following any surgery, however, this will depend on what procedure you have had and when. 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 some 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.

Don’t worry, a decline elsewhere doesn’t mean we can’t get you cover. If you are classified as obese it is best to apply through a specialist broker who knows where best to place your application and who can offer cover for your personal circumstances. The Insurance Surgery have been sourcing cover for those in the higher weight ranges for many years so we know where to go across the whole of the market.

The Insurance Surgery work to help people find Obesity Life Insurance on a regular basis so we understand how the insurance providers will view your application. We know what information they will require and we go out to obtain any medical reports etc that may be required to ensure your application can be considered to get you the policy you need. We do the hard work so you don’t have to.

Some UK Stats on Obesity

  • A person is classed as having a high BMI if the range is between 25-29
  • A BMI of over 30 gives classification of obese
  • 1 in 4 UK adults is classed as obese
  • Over the last 30 years, numbers classified as obese in the UK have increased by 1/3

What is BMI?

BMI stands for Body Mass Index. This 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.

What are the risk of having a high BMI?

With increased weight and a high BMI comes increased risks of several medical conditions such as; heart attack, high blood pressure, sleep apnoea liver problems, joint / bone problems.

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

Being obese or morbidly obese 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 sedimentary 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.

At The Insurance Surgery, we have years of experience dealing with clients who are obese and 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 get 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 and you will be supplied with travel insurance quotations from over 20 providers within minutes and 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 company will need your individual circumstances and will also need to know if 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 to you.