0808 189 0463


        0808 189 0463

        Updated: April 23, 2024

        Life Insurance for Overweight People - A Quick Guide

        A good life insurance policy is often harder to come by if you're classed as overweight. Find out how to get a great deal under these circumstances in our guide

        Ask a quick question

        We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

        FCA Logo
        1 of 2
        2 of 2 Send!

        No impact on your credit score

        Having any form of health condition may affect the type of life insurance you can take out, and the price you may have to pay for the cover you need. Being overweight is a particular condition that’s considered ‘high risk’ as it can lead to other health problems such as Type 2 diabetes and heart disease, but it’s also one that’s very common.

        An NHS report, published in 2019, on obesity statistics said that the majority of adults in England (64%), are either overweight or obese.

        So when it comes to life insurance for the obese, it’s a condition that most providers are familiar with, though they may not all offer it.

        The best way for overweight individuals to find life insurance is to shop around and this is something we can help you with.

        Can you take out life insurance if you are obese?

        Yes, it is possible to get life insurance if you are overweight or obese. What makes it different to ordinary life insurance is that the provider will be aware of the implications of your health condition so their cover will reflect this.

        Typically you can expect to pay a higher premium due to the associated health risks of being overweight. Although you might find some slight variation, generally speaking, life insurance for overweight males is similar to what’s on offer for females. Factors other than gender are more likely to affect your policy and this is usually your age, occupation and medical history.

        Subject to the rest of your medical history, some providers may add exclusions to the policy.

        It’s worth noting that there are providers who will change their policy on life insurance for obese people according to how your weight changes, so if you lose weight while you have a policy you should be able to lower the rate you pay. You may need to show a doctor’s certificate to prove this weight-loss.

        Speak to an expert today

        Can I get life insurance with a high Body Mass Index?

        Body Mass Index (BMI) is a measurement of the ratio between your height and weight.

        A BMI of around 18-24 is considered the average measurement. If you’re higher than 25 this would be considered overweight by the NHS.

        Having a high BMI won’t stop you from being able to get life insurance and most providers can offer cover on standard terms with a BMI as high as 28, some even up to 30.

        Insurers use a chart that works out what your height to weight ratio is so you can find out your BMI. You can also use a BMI calculator. It will tell you what your BMI is so you can find out if you’re overweight and, if so, by how much.

        Is there life insurance for the morbidly obese?

        Anyone with a BMI of 40 is considered morbidly obese. This doesn’t mean you can’t get life insurance but fewer providers will consider you and you’re likely to pay higher premiums for it. It’s likely the closer scrutiny will be made of your lifestyle and medical history.

        If you’re morbidly obese it’s best to speak to a life insurance expert who is experienced in this area as they’ll be knowledgeable on the options that are available.

        Make an enquiry and we’ll match you with an advisor who can help. You may find from talking to them that there are other options available to you – some people find that their needs are met through alternative types of cover such as critical illness cover.

        Are there weight limits?

        This varies between providers as they’re likely to have different minimum and maximum BMI limits for their policies.

        The higher the BMI the more of a risk you’re considered to be. However, there are companies that won’t necessarily ask for this much detail – some will ask about your weight and some won’t.

        Remember too that weight isn’t the only factor upon which your application is assessed. Other criteria taken into account includes your age, health history and family medical history.

        For example, an individual with a BMI of 35 who’s in their 50’s would likely obtain more favourable terms than the same individual in their 20’s, assuming no other medical issues.

        Speak to an expert

        Because there’s so much variation in policies that are offered by providers it can be time-consuming to navigate the options.

        Save yourself time, hassle and money by talking to an expert who is familiar with arranging life insurance cover for obese individuals.

        Need help finding one? Call 0808 189 0463 or make an enquiry for a free, no-obligation chat and we’ll match you with an advisor with the right expertise to get you the life cover you need.

        Ask a quick question

        We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

        FCA Logo
        1 of 2
        2 of 2 Send!
        Pete Mugleston

        Pete Mugleston

        Mortgage Expert, MD

        About the author

        Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

        Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

        FCA Disclaimer

        *Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us as well as any of our own are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

        Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.