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Obesity Life Insurance

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Obesity Life Insurance

Obesity Life Insurance

How Life Insurance for Obese People Works

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
  • Any surgery or treatment or if you’re currently awaiting surgery
  • Any other medical conditions 
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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.

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.

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. If you have significantly reduced your weight we can review your policy at any time 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 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.

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.

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.

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.

What are the risk of having a high BMI?

With increased weight and a high BMI comes increased risk of medical conditions. These include heart disease, high blood pressure, sleep apnoea, liver problems, type 2 diabetes and 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

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.