Overweight or Obese Life Insurance

Planning for your future | Life Insurance

Overweight or Obese Life Insurance

Insider Tips to overweight or obese life insurance!

 Overweight or Obese Life Insurance

Overweight or obese life insurance doesn’t need to be to complicated. 

Don’t be to intimidated by it.

There is a lot of information available online regarding the health risks of obesity, and how it affects applying for life insurance today. For anyone who is obese or overweight and is looking to buy life insurance, they should know that their weight will play a major role in determining the approval rating they get for their insurance policy.

A lot of people have raised concerns about applying for life insurance when they are overweight or obese, but they should know that the rates for insurance coverage vary greatly. Life insurance carriers will always ask about your weight and height. However, you don’t have to worry because even people who are obese and overweight can still easily get approved for life insurance coverage

The rates and the coverage they qualify for may vary, but if you are working with an experienced agent, he or she will be able to place you with the correct life insurance carrier to approve you for coverage.

There are a lot of different factors that come into play when you are overweight or obese and apply for life insurance. We will be looking at them all in detail Our goal at Good Life Protection is to inform people on the best way to apply for life insurance when they have weight issues or are suffering from obesity.

Overweight or Obese Life Insurance- The Low Down

Everyone knows that insurance companies have different weight and height metrics to calculate the premium they will charge on a policy, or if they will provide coverage for an individual. The ratios related to the weight and height of an individual are the ones that an underwriter for life insurance will consider first. This makes it harder for people who are overweight or obese to get life insurance, but the good news is that there are a lot of great insurance companies offering life insurance for such individuals.

You shouldn’t get depressed or worried if you aren’t able to acquire life insurance when you are obese or overweight. That is because there are other conditions that are more serious than being obese or overweight, but you should know that it will make it harder to find the right coverage. That is why it is imperative that you find the right life insurance company, especially when you are an overweight or obese person applying for life insurance.

For instance, when searching for life insurance, look at companies that have a great track record for offering insurance policies to people who have the following.

  • Depression or anxiety
  • Diabetes
  • Suffered a heart attack

There are obviously a lot of different insurance companies that will offer you with various policies designed for obese or overweight people. However, you should ensure that you are getting the best coverage rates because not all insurance companies will offer you with the same rates.

Applying for Life Insurance When Overweight or Obese

Life Insurance for obese and overweight

Before you apply for life insurance when obese or overweight, it is important that you remember that life insurance companies have different policies and products. However, one thing that all life insurance companies use to determine your rating is your height and weight. This means that if one insurance company finds you overweight, then others in the industry may as well.  It also means that if one life insurance carrier finds you overweight, you may not be with a different company.

The good news is that we work with the best life insurance companies and only work in your corner. We can help overweight or obese individuals find the best rates for life insurance, irrespective of their health condition. There are a lot of options when it comes to life insurance.  We can help you navigate the confusing options and vast number of carriers you may want to apply with.

Applying for life insurance when you’re obese or overweight isn’t difficult, and there are some simple tips and tricks that will help you out.

We are going to share some tips that will help you acquire the best rates on life insurance when you are obese or overweight.

Overweight or Obese Life Insurance Tips

1.      Honesty is the best policy

You shouldn’t ever lie about your health to a life insurance company, because they will find out the truth. You shouldn’t be afraid to provide them with information about your weight and height, otherwise you will not get a suitable policy.

2.      Work with someone that cares

There are a lot of options available in the industry when it comes to life insurance, but that also means you should be careful about who you choose to work with. The best course of action is to select a life insurance carrier that has a brilliant track record of helping their customers.

3.      Always prepare for the exam

If you are obese or overweight, you will be asked to take a life insurance exam, and you should expect that whenever you go to a life insurance carrier. The best advice is to take the exam before you eat or drink anything in the morning, except water. This is because your weight will vary by several pounds during the day, as you eat and drink. Every single point counts when you are overweight and applying for insurance, so make sure that you prepare for the exam.

4.      Drastic weight loss isn’t good

You may assume that losing weight drastically over the past year is going to look impressive to a life insurance company, but that isn’t the case. Most insurance companies prefer to see that the weight of an applicant hasn’t changed too much over the year. Again, you must be honest about your weight loss with the insurance company as that will affect your insurance rates.

5.      Don’t take risks

One of the worst things that you can do when you’re applying for life insurance as an obese or overweight individual is waiting too long for a better rate. Most people never buy a policy, because they have been told they can get one with better rates, but that may never happen. When it comes to your health, you shouldn’t take risks, because waiting around for better rates isn’t a wise move.

The best advice is to get the best rates that are offered to you, and once you have acquired coverage, you can look for better life insurance policy rates. This way you won’t be gambling with the financial future of your family.

Overweight or Obese Life Insurance- Can you get approved! YES!

The big question for a lot of people is whether they can qualify for life insurance when they are overweight, and the answer is a resounding YES! Life insurance companies don’t discriminate against people that are overweight, and they can still get policies with great rates. The Centers for Disease Control and Prevention states that the average male in America weighs 196 lbs. and is 5 feet 9 inches tall. The body mass index charts of the CDC classes this as ‘overweight’, and if the man puts on 7 more pounds, they will be classed as ‘obese’.

However, that doesn’t mean that a man who is 5 feet 9 inches tall and weighs over 200 pounds can’t find great life insurance. There are a lot of insurance companies that will offer excellent rates for life insurance policy for overweight people. You must know what it takes to be declined though.

What It Takes to Be Declined Coverage

Life Insurance for overweight sitting in couch

We tracked the maximums for weight that the biggest and most reputable life insurance carriers.

You see…

Every company has its own cutoff point for denying coverage.

So, if a man is 5 feet 9 inches, and weighs more than 329 pounds, some life insurance companies will deny him coverage.

However, Some won’t.

The average height and weight of a woman in the United States is 5 feet 4 inches, and 169 pounds, which is rated as overweight by the standards set by the CDC. Our research indicated that the average woman wouldn’t find it difficult to find great rates for life insurance despite being overweight.

Being denied life insurance coverage will never be based off your weight only.  It matters greatly how tall you are.

Every company is different so you should always speak to an agent to find out the specifics for the different weights you can be at certain heights.

Overweight or Obese Life Insurance-How Do Height and Weight Impact the Life Insurance process?

Every life insurance company have their own metrics that determine the maximum height and weight allowed for a candidate to qualify for coverage. Insurance agents will use these metrics to calculate whether their client can qualify for life insurance, and what rates they will be charged for policies. The “preferred plus” rates are the best ones, but they are only given out to people, who are determined to be the healthiest in their weight and height ranges.

Just because you’re obese or overweight doesn’t mean that you will be denied life insurance, because even people with weight problems have qualified for great rates. That is only possible if they don’t have other health problems, which may disqualify them from coverage. 

The CDC has their own BMI classifications, which it uses to determine the average weight and height of men and women, and whether they can qualify for “preferred” rates at insurance companies.

The only people who will struggle to find coverage for life insurance are the ones, who are extremely obese and have extreme weight problems.

Be Prepared to Pay More for Overweight or Obese Life Insurance

life insurance for obese and overweight eating burger

If you are buying life insurance and realize that you are obese or overweight, then you should be prepared to pay more for a life insurance policy. It isn’t a secret that people with weight issues are charged higher premiums because the life expectancy of these people is lower. We looked at some of the different rates offered by life insurance companies and found the lowest quotes for men and women who were obese or overweight.

Ø  For Men:

The average premium price for a 20-year, term policy valued at $500,000, for a 35-year old male, who is 5-foot 9 inches tall, at different weights:

life insurance for overweight men

Ø  For Women:

The average premium price for a 20-year, term policy valued at $500,000, for a 35-year old male, who is 5-foot 4 inches tall, at different weights:

life insurance for obese female

How does the life insurer know your weight?

When you are filling out the application for life insurance, you must provide information for your weight and height. The numbers will be checked again when you’re taking your medical exam, but you shouldn’t go on a weight loss diet to bring your weight down before the exam.

This is because the life insurance company will look at your overall medical records over the past few years, which will include your previous weights.

How Obesity Drives Up Life Cover and Income Protection Rates?

The Body Mass Index (BMI) is used by life insurance companies to assess the threat of a candidate suffering from weight related diseases. The insurance company may record you as obese if you have a BMI over 30, or if your body weight is over 20% of your ideal weight, based on your build, gender, age, and height. Obesity is associated with a lot of negative consequences, which is the reason why a lot of insurance companies charge higher policy rates for people that are obese.

The factors that will determine the price of the premiums in your insurance policy include the following:

  • Your family history
  • Pre-existing medical conditions
  • Your age and gender
  • Whether you smoke or drink
  • If you participate in dangerous sports, occupation or hobbies

You should know that every insurance company have their own guidelines for underwriting, which is why you should always compare quotes from the best insurance companies with an experienced agent.

What Is a Healthy Weight for Life Insurance?

For people, who are at the age of 20 or older, the body mass index (BMI) is used to class them in separate weight categories. The ideal weight or healthy weight range classed by life insurance companies is between a BMI of 18.5 to 24.9 after calculating values from statistical using the average from mortality rates, popular averages, and previously insured groups.

Life Insurance Rates And BMI

The body mass index tool or BMI is used by every life insurance company to calculate the health of an individual, and potential health risks they may suffer. It is an integral part of underwriting and determines the premium price you will be paying for the policy:

Life Insurance for overweight rates and BMI

What’s the most looked at factor for Overweight or Obese Life Insurance?

The BMI chart!

It’s the the most important indicator looked at by insurance companies since it relays information related to physical build, muscle mass, and overall body fat.

Shortcomings of BMI For Life Insurance

life insurance for obese shortcoming

Even though the Body Mass Index is considered as the most important indicator for determining the weight of a candidate, it does have its shortcomings. There are some disadvantages that insurance companies who use the BMI experience, and these are:

  1. Miscalculating body fat content in obese and overweight people
  2. Miscalculating body fat in lean and muscular people

The standard BMI calculation doesn’t account for the fact that muscle has more weight than fat. So, if an individual has more lean muscle mass on their body than the average, they will have a higher BMI, which could offer an inaccurate body composition.

The same goes for a person suffering from osteoporosis, since they will have less bone density, and this will result in a lower BMI, even though their body fat could be extremely high.

The best way to determine whether you have been unhealthy is by calculating the body fat percentage in your body. People who actively exercise or take part in weight training that builds muscle should ensure that their BMI isn’t having a negative effect on their premium rates for life insurance. This can be done by measuring the body fat percentage and waist-hip ratio:

Ø  Caliper measurement (skinfold measurement test)

This will measure how thick the skin is on different parts of the body. It must be administered by a registered doctor or nurse, since only an experienced medical professional and conduct an accurate skinfold analysis.

Ø  Waist-hip ratio

This will measure the hip circumference with the waist circumference. If you have a high percentage of fat around the waist area, it indicates a higher risk of cardiovascular diseases.

The Difference Between Being Overweight and Obese-Overweight or Obese Life Insurance

The BMI determines the overall difference between obese and overweight individuals. Life insurance companies look at the body mass index to set rates for separate policies. The chart below offers an accurate depiction of the difference between being overweight and obese as determined by the BMI.

Life insurance for overweight and obese difference

Applying! Overweight or Obese Life Insurance!

Your BMI and weight will play an integral role in determining whether you get approved for a life insurance policy. However, they aren’t the sole metrics considered, as there are other factors that also come into play when you apply for life insurance when you are obese or morbidly obese. All life insurance companies have their own standards for assessing life insurance applications, and even people with a BMI over 31 can acquire good rates for life insurance. That will only be possible if the company finds that you lead an active lifestyle, and have good general health.

If you’re obese, not in great health and haven’t been to a doctor in several years, you could struggle to find life insurance policies. This is because obesity is linked to serious life-threatening conditions, and life insurance companies will consider you as someone with a higher risk, because you’re someone that doesn’t get regular check-ups and doesn’t monitor their health. You should get a full check-up from a doctor before you apply for life insurance as an obese person, as it increases your chances.

Apart from the medical exam, you will be asked to provide information related to the following on the life insurance application form:

  • Date of the last appointment with your doctor
  • Any health problems related with your weight
  • Any changes in your weight over the past year
  • If you have problems with mobility
  • Complete results of health tests undertaken in the last year

If you’re obese or morbidly obese and want to apply for life insurance, you can improve your chances of winning approval by starting a weight-loss program monitored by your doctor. It is important that you be a part of this program for some time since insurance companies will look for progress in weight loss for a significant time period. If you have been in a weight loss program for more than a year, that will allow your doctor to calculate how much weight you should lose to get a BMI that is under 30.

Why Do Life Insurance Companies Treat People So Differently for Overweight or Obese Life Insurance?

A lot of people may assume that life insurance companies treat people differently, but there is nothing sinister about that. The only reason life insurance companies treat people differently is because they must calculate the risk associated with offering someone a life insurance policy. 

If you are an individual that is overweight or obese, you are at greater risk for contracting a life-threatening disease, and that also increases the chances of the company having to pay the death benefit claim. If life insurance companies didn’t follow this protocol, they would become insolvent very quickly.

The Centers for Disease Control and Preventing in the United States have stated in a report that people who are overweight or obese are at greater risk for the following diseases:

  • Type 2 Diabetes
  • Stroke
  • Sleep apnea and respiratory problems
  • Osteoarthritis
  • Liver disease
  • Increased blood pressure
  • Heart disease
  • Heart attacks
  • Cancer

That is the reason why life insurance companies will charge overweight or obese people with higher premium rates for a life insurance policy, to reduce their financial risk.  Reducing financial risk for the life insurance carriers ensures that they can honor the policies in force at all times and keep a long healthy claim paying history going for the company. It also keeps them financially solvent.

Other Factors that Insurance Underwriters Consider

Apart from the weight of an individual, life insurance underwriters will also account for other factors, when they review your application for a policy. These factors will include the following:

  • Smoking habits
  • Alcohol usage
  • Marital status
  • Gender
  • Age
  • Occupation
  • Income
  • Family health history
  • Daily habits
  • Health history

If you’re a smoker, you will find it difficult to get life insurance for overweight or obese individuals at rates some of your non-tobacco friends and family have achieved. Life insurance companies don’t offer great rates to people who smoke. So, people who smoke and are overweight have the scales tipped against them.

You will also be asked to take a medical exam, which will mean you must meet professional doctors, who will take readings of your heart rate and blood pressure. They will also take your urine sample and ask for a blood sample to analyze you for different health conditions, which may disqualify you from getting that life insurance policy.

After the underwriters have all your information, they will decide whether you qualify for coverage, what classification of policy will be offered to you, and premiums you will be charged.

Does It Matter If I Am Obese Instead of Overweight?

Yes, it counts for a lot if you are obese since overweight people can still get excellent rates. However, obese people will struggle to find good rates for policies, because they are at a greater risk of acquiring life-threatening diseases. That is why it is recommended that you work with an independent life insurance agency to help navigate the market for you.

Obese people may not qualify for standard life insurance policies, but they have other options, like a no-physical life insurance policy. These life insurance policies don’t require a medical exam and don’t need any health-related information from the individual.

Health Ratings You Could Expect

The life insurance policy you manage to qualify for will be determined by the health rating you have been given. These health class ratings will be different for every person. Even obese people that manage to get a standard health rating, will have different premiums because of their lifestyle, the medications they take, or their existing health condition.

People who have limited mobility, are morbidly obese, and have high-risk health conditions will only get a sub-standard rating. They may even have their application denied, which means they must explore other options like a guaranteed life insurance policy.

What Should You Do if You’re Denied? Overweight or Obese Life Insurance.

life insurance for obese denied

Final thoughts on Overweight or Obese Life Insurance.


Most people with obesity can change their lifestyle and lose weight, which may allow them to qualify for life insurance in the future. If you are overweight or obese it is important that you start making changes to your lifestyle, even if it means changing habits like excessive drinking or smoking.

If you have qualified for life insurance as an obese or overweight person, but with high premiums, you shouldn’t despair because you can always bring your premiums down if your BMI improves and you lose weight. There are a lot of life insurance companies that offer insurance products for individuals who are overweight.  Good Life Protection is always here to lend a hand!

We work with all the highest rated insurance companies in the market and have helped individuals, who were denied life insurance because they were obese or overweight. Therefore, we are placed perfectly to help point you in the right direction and save you time and money.

You can compare different life insurance policy premiums and plans from the leading insurance carriers in the industry. Our insurance agents will offer you complete information related to different policies and will answer all questions related to life insurance coverage for overweight or obese people.

So, don’t lose hope if you are overweight or obese! Get in touch with us to talk to one of our insurance agents, and find out how we can help you acquire an affordable life insurance policy today.  May the best price win!


Resources: HealthGradeCDC.govCancer.net

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