Obesity Life Insurance
Classed as ‘Overweight or Obese’ and looking for Life Insurance?
Your Life Protected specialise in securing affordable Life Insurance for people who have a high BMI and are classed overweight or obese. We have a huge amount of knowledge and experience in this area meaning we can quickly identify the most appropriate cover for your needs. Our long-term relationships with the UK’s top insurers means we know who is likely to be most understanding with your individual circumstances saving you a great deal time, energy and money.
Most Life Insurance providers in the UK have different underwriting rules when it comes to BMI; some will be much more lenient than others, and some will have additional requirements (e.g. medicals & Dr’s reports). We will take time to talk through your situation, assess your needs and make recommendations on the best available policies.
How does Obesity or having a high BMI Impact Life Insurance Costs?
Life Insurance providers increase premiums because of the possible associated risks and complications related to being Obese or Overweight. These may include Type 2 Diabetes, Heart Disease, Strokes, and Depression, among others.
The actual your premium increases will depend on your BMI, lifestyle factors and medical history.
Today, the process of determining whether someone is Overweight is by calculating Body Mass Index (BMI). This is done by dividing your weight by your height.
BMI ranges are defined as follows:
- Underweight = below 17
- Normal = 18 – 25
- Overweight = 25 – 30
- Obese = 30 – 40
- Morbidly Obese = over 40
If you’re unsure of your BMI, you can use our BMI Calculator below.
Calculate your BMI
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Life Insurance for Higher BMI Cases
BMI limits vary hugely from insurer to insurer in the UK, so knowing where to look is key!
Here at Your Life Protected, we have access to underwriters who can offer cover to people with a high BMI. If you have been refused cover elsewhere, get in touch with our specialist team who can give you information about the options that are available to you.
As a small company, we pride ourselves on offering a truly personalised service. We take the time to really get to know you and your unique situation, which allows us to find the most appropriate cover for your needs at the best possible price.
Critical Illness Cover with a high BMI
Just like Life Insurance policies, applications for Critical Illness Cover factor in BMI during the underwriting process. This type of policy though usually has much stricter rules than Life Insurance products, so knowing where to look for the most lenient terms is paramount. Individuals looking for Life Insurance will usually be accepted with BMI’s in the mid-high 50’s, whereas maximum BMI’s for Critical Illness Cover sit around the low 40’s. Ther is no one rule for every company and as your age and medical situation impact final decisions, speaking with one of our experts is your best bet to see if cover is available.
This policy is designed to pay out a tax-free lump sum if you are diagnosed with a defined ‘Critical Illness’, some of the more commonly claimed illness’s include; Cancer, Heart Attack, Stroke & Multiple Sclerosis.
Get a Quote for Obesity Life Insurance
If you have found that your premiums have been increased or you have been declined cover due to being Overweight or Obese, we may be able to help. At Your Life Protected we understand the underwriting procedures related to Obesity life insurance, which allows us to quickly identify which insurance company is best for you, taking into account your unique case.
Please give us a call on 01275 404268 or Get a Quote. We will be very happy to spend time talking to you to understand as much as we can about your individual circumstances before finding the most appropriate cover for your needs.
- Will I get Life Insurance with a high BMI?
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Life Insurance policies are available for most, whatever your BMI. As each case is considered individually, other present (or historic) medical conditions will be factored in as well so your best bet is to get in touch so we can talk through your available options.
- I’ve been refused cover in the past for a high BMI, will I get cover now?
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Each company that providers Life Insurance has their own rules on what can and can’t be considered. Just because one (or several) companies have refused Life Cover because of your weight in the past, it doesn’t mean cover won’t be available now.
- Will I get Critical Illness Cover?
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Underwriting rules for Critical Illness Cover are broadly much stricter than Life Insurance products, so knowing where to look for the most lenient rules is paramount. Like with Life Insurance, just because one company has refused you cover (because of being Overweight or Obese), it doesn’t mean another company won’t be able to consider cover.
- Will my premium come down if I lose weight?
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Whilst an insurer won’t automatically review your weight and reduce your premium as your BMI drops, this is something we do for all clients. If a policy is arranged and your weight reduces (or broader medical situation improves), we’ll go back out to the market and get you a cost reduction where possible.
- Is BMI a good measure of health?
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This question gets asked a lot and the honest answer is no. Whilst BMI is not a perfect measure of health, it gives the insurance companies a rough guide of body fat levels. There will always be exceptions to this rule (professional Rugby players or Body Builders for example) where an individual’s BMI score will be high due to muscle mass rather than fat levels, though these individuals comprise of less than 1% of the population. Whilst there are always ongoing conversations about the accuracy of BMI, given the sheer number of applications Life Insurance providers deal with, for now, it’s the best available indication.
