Life Insurance Guide for Overweight Individuals (2024)
Life insurance for overweight people is easier to find than most people think. Many obese people still qualify for life insurance and average life insurance rates. However, overweight people may reduce rates with a healthy diet and exercise plan that is helping them lose weight and frequent doctor visits to monitor their health.
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Brandon Frady
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Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Nov 18, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Most overweight people will still qualify for life insurance
- Some overweight people will still qualify for average life insurance rates as long as they don’t have other medical conditions or weight-related issues
- Overweight people may be able to reduce their rates by having a healthy diet, exercise regimen, and regularly seeing their doctor
Life insurance is essential for individuals with families and financial obligations. Overweight individuals who may have other health problems will want to make sure their families are protected.
Life insurance for overweight people is easier to find than many people think. If you want to buy life insurance for overweight people, enter your ZIP code above to get life insurance quotes from companies in your area.
Can I get life insurance for overweight people?
In most cases, overweight people can still qualify for life insurance. Most life insurance companies will only deny an overweight person if they have other health conditions, such as cardiovascular diseases, diabetes, or some cancers, as well.
If you are denied by one company, you would most likely be accepted by another life insurance company for overweight people. You may also qualify for a guaranteed acceptance policy. However, these generally offer limited coverage with higher rates.
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How much is life insurance for obese people?
The higher a person’s BMI, the higher their life insurance rates will be. This is because many overweight people have lower life expectancies.
Each life insurance company determines its rates using rating categories. Each rating category is determined by the risk factors associated with an applicant. An obese person may qualify for a Standard Plus rating but is likely to be rated Standard if they have other health conditions.
Let’s look at some samples of life insurance rates for a 5’9, 240 pound male with elevated cholesterol and high blood pressure:
Average Monthly Term Life Insurance Rates for Overweight People
| Age | 20-Year, $250,000 Term Life Insurance Average Monthly Rates | $250,000 Whole Life Insurance Average Monthly Rates |
|---|---|---|
| 30 | $22.00 | $176.00 |
| 40 | $35.00 | $280.00 |
| 50 | $80.00 | $693.00 |
| 60 | $176.00 | $1,020 |
Individuals in the Standard Plus or Standard categories pay more for life insurance than those in the Preferred or Preferred Plus categories.
Case Studies: Life Insurance Guide for Overweight Individuals
Case Study 1: Sarah’s Successful Life Insurance Application
Sarah is an overweight individual who decided to apply for life insurance. Despite her weight, she has been taking steps to improve her health, including following a healthy diet and exercise plan and regularly visiting her doctor. Sarah applied for life insurance and provided all the necessary information about her health and lifestyle.
The insurance company reviewed her application and considered her overall health and commitment to improving her well-being. Sarah was approved for life insurance at a standard rating, which means she received coverage at a reasonable premium rate. This case study demonstrates that overweight individuals who actively work on improving their health can still qualify for life insurance.
Case Study 2: Mark’s Limited Coverage With Guaranteed Acceptance Policy
Mark is an obese individual with pre-existing health conditions such as cardiovascular diseases and diabetes. He applied for life insurance but was denied coverage by several insurance companies due to his health risks. However, Mark was able to secure a guaranteed acceptance policy.
Although the coverage provided by the guaranteed acceptance policy was limited, it offered some financial protection for Mark’s family in the event of his passing. While the premiums for such policies are typically higher, Mark recognized the importance of having some form of life insurance coverage despite his health challenges.
Case Study 3: Emily’s Improved Rates Through Weight Loss
Emily was overweight and wanted to secure life insurance coverage. She decided to make significant changes in her lifestyle, including adopting a healthy diet and exercise routine. Over time, Emily successfully lost a significant amount of weight and improved her overall health.
When Emily applied for life insurance after her weight loss journey, she provided evidence of her improved health and regular medical check-ups. The insurance company recognized her efforts and offered her coverage at a preferred rating. This allowed Emily to obtain life insurance at a more affordable premium rate, reflecting her improved health status.
How can I save on life insurance rates for overweight people?
Many of the best life insurance companies ask questions about your health and medical history. Be as honest as possible, and include details about your diet and health regimen, physician’s orders and whether you follow them, and if you’ve had weight-related complications.
If you started a healthy diet and exercise regimen that is helping you lose weight, you may want to include this in your life insurance application. You may also include a recent doctor’s visit so that the life insurance company knows you are being monitored by a medical professional.
Finally, you may want to compare insurance quotes for overweight people from multiple companies. Find affordable life insurance for overweight people by entering your ZIP code into our free quote comparison tool below.
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Frequently Asked Questions
Can overweight individuals obtain life insurance coverage?
Yes, overweight individuals can obtain life insurance coverage. While being overweight may affect the premium rates and eligibility criteria, it does not necessarily disqualify individuals from getting life insurance.
How does being overweight impact life insurance rates?
Being overweight can affect life insurance rates because insurers consider weight as a potential risk factor for certain health conditions. Typically, the higher the body mass index (BMI), the higher the premium rates might be.
Are there specific BMI thresholds that affect life insurance rates?
Life insurance companies may have different underwriting guidelines, but generally, BMI thresholds exist. When an individual’s BMI falls within the “overweight” or “obese” categories, it can result in higher premiums compared to individuals with a normal BMI.
Are medical exams required for overweight individuals applying for life insurance?
Depending on the insurance company and the coverage amount sought, medical exams may be required for overweight individuals. Insurers often assess an applicant’s health status through medical underwriting, which may involve a medical exam, blood tests, and other relevant assessments.
Can pre-existing health conditions related to weight impact life insurance coverage?
Yes, pre-existing health conditions related to weight, such as diabetes, high blood pressure, or heart disease, can impact life insurance coverage. Insurers consider these conditions as potential risks and may adjust premiums accordingly or impose exclusions on coverage related to those conditions.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.