Best Life Insurance for Overweight Individuals in 2025 (Compare the Top 10 Companies)

Top for Overweight Individuals: AAA

3,027 reviews

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4.1

Company Facts

Whole Policy

$60/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Membership Benefits
• Insurance Bundling
• Reputation and Stability

• Limited Availability
• Non-Digital Services
• Membership Requirement

» AAA Life Insurance Review

3,027 reviews

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Best Coverage for Overweights: Allstate

11,638 reviews

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4.0

Company Facts

Whole Policy

$70/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Multiple coverage options
• Various discounts
• Additional savings programs

• Lower than average customer service ratings
• Higher than average auto insurance rates

» Allstate Life Insurance Review

11,638 reviews

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Best Rewards for Overweights: Am Fam

2,235 reviews

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4.0

Company Facts

Whole Policy

$65mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Customer Service
• Coverage Options
• Discounts

• Digital Tools
• Policy Terms
• Claims Satisfaction

» American Family Life Insurance Review

2,235 reviews

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AAA, Allstate, and American Family offer the best life insurance for overweight individuals, with monthly rates starting at $32. AAA stands out for its affordable rates for high BMI insurance applicants, requiring no medical assessment.

Allstate excels at offering flexible policies to fit customers’ needs. American Family has stable rates upon renewal regardless of high BMI. Check this table for the extensive details of the top 10 companies.

Our Top 10 Company Picks: Best Life Insurance for Overweight Individuals

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	4%	A	Strong Reputation	AAA
	#2	10%	A+	Extensive Coverage	Allstate
	#3	5%	A	Loyalty Rewards	American Family
	#4	5%	A	Flexible Policies	Liberty Mutual
	#5	5%	A	Reliable Claims	Farmers
	#6	8%	A++	Affordable Premiums	Geico
	#7	8%	A+	Personalized Service	Nationwide
	#8	6%	A++	Industry Leader	State Farm
	#9	5%	A+	Financial Stability	The Hartford
	#10	5%	A++	Military Benefits	USAA

This guide on buying life insurance for overweight individuals aims to help them get the best insurance and ensure they get coverage tailored to their needs. Enter your ZIP code to find the best yet affordable insurers and get your quick quotes.

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 to get life insurance quotes from companies in your area.

#1 – AAA: Top Overall Pick

Pros

• Affordable Rates for High BMI Insurance Applicants: The AAA insurance review highlights the cheaper rates for applicants classified as overweight or obese.
• Lenient Underwriting for Weight: AAA has flexible underwriting guidelines in accepting applicants with higher BMIs than competitors.
• No Medical Exam Requirement: Some life insurance policies for obese adults do not require an exam, making it easier for them to qualify.

Cons

• Higher Rates for No-Exam Policies: While this policy is easier to avail, it tends to have higher premiums than fully underwritten policies.
• Limited Coverage Amounts: The simplified issue policies have a lower coverage range than the traditional underwritten policies.

#2 – Allstate: Best for Extensive Coverage

Pros

• Flexible Policies: Policyholders can choose between term and whole life insurance, whichever fits their financial needs.
• Accommodating Life Insurance BMI Chart: Allstate is more forgiving of higher BMI levels, giving overweight applicants better options to qualify.
• Financially Stable: With A+ A.M. Best ratings, $51 billion in revenue, and $99 billion in total assets in 2022, it is established with a strong capacity for fast claims and service.

Cons

• Expensive Premiums for Certain BMI Ranges: Applicants with very high BMI or obesity class II or III encounter higher premiums.
• Medical Exam Required: No exam policies are not offered, which impacts rates if additional health issues are found.

#3 – American Family: Best for Loyalty Rewards

Pros

• Less Restrictive BMI Policy: Flexible BMI guidelines if the applicant qualifies for standard or preferred rates.
• Renewal Advantage: The American Family insurance review discusses the stability of policyholder renewal despite higher BMIs.
• Loyalty Savings: Overweight individuals who maintain coverage will have lesser price hikes over time.

Cons

• Geographical Limitations: Availability is limited as it may not be offered nationwide.
• Required Medical Exam: A complete medical exam is required, which could impact premiums.

#4 – Liberty Mutual: Best for Flexible Policies

Pros

• BMI Lenient Guidelines: More accommodating to higher BMI applicants than other providers.
• No Medical Exam Policy: A complete medical exam is not required, making life insurance approval more straightforward and faster.
• Affordable Pricing for Moderate Overweight Applicants: Slightly elevated BMIs may be eligible for standard or near-preferred rates.

Cons

• Expensive Pricing for Severe Obesity: Very high obesity, like class II or III, has a significant rate increase.
• Medical Exam for Larger Policies: While no exam options exist, higher coverage requires a full medical exam.

#5 – Farmers: Best for Reliable Claims

Pros

• BMI Leniency: Farmers’ insurance review claimed it never denied or overpriced applicants based only on BMI; instead, it assesses their overall health and lifestyle.
• Broad Coverage Choices: Offers term, whole, and universal policies that overweight individuals can choose from depending on their unique needs.
• Personalized Agent Support: Dedicated agents assist during claims and policy customization to make things easier for overweight applicants.

Cons

• Limited Availability: Some coverage options are not available in some states. Check in advance if it is available in your state.
• Medical Exam for Larger Policy: Medical exams are required that may raise premiums if there are pre-existing conditions.

#6 – Geico: Best for Affordable Premiums

Pros

• Competitive Market Pricing: Secures lower rates than traditional providers with just $63 whole policy monthly rates.
• Discounted Pricing for Bundling: The Geico insurance review mentioned the famous 25% off on bundling insurance like home, auto, and life.
• Partnered Underwriting Method: Partners with companies like Banner Life and Prudential to allow applicants to access multiple pricing choices.

Cons

• Fewer Customization Policy: The customization of policies depends on partner insurers, so customers cannot have full flexibility in their desired policy.
• Customer Experience Varies: Claims and other coverage management are handled by partner companies, so service quality and claims resolution differ.

#7 – Nationwide: Best for Personalized Service

Pros

• Holistic Health Assessment: Assess the overall health status rather than just the BMI results at a more customized rate. Check more of its rates in the nationwide insurance review.
• Flexible Underwriting Option: Overweight applicants may qualify for standard or preferred rates depending on their overall health.
• High Customer Satisfaction: High customer satisfaction rates with a score of 826/1000 on J.D. Power in 2023 and few complaints on claims and policies.

Cons

• Not the Cheapest for Severe Obesity: BMIs of 40+ face higher premiums or be directed to other special policies.
• Agent-Based Process Issue: Less convenient for those who prefer online applications as it requires an agent for policy management and other concerns.

#8 – State Farm: Best for Industry Leader

Pros

• More Lenient BMI: The State Farm insurance review established a more accommodating method for applicants with higher BMIs.
• Extensive Options: Provides term, whole, and universal life insurance for various needs of overweight individuals.
• Budget-Wise Rates: Even with higher BMIs, they can qualify for standard or preferred rates under some conditions.

Cons

• Strict Medical Requirement: A full medical exam is required, and other health conditions, such as diabetes and hypertension, can drive high rates.
• Term Life Insurance for Overweight: It must be done with an agent, making the process convenient for those who prefer to do it online.

#9 – The Hartford: Best for Financial Stability

Pros

• Expert Risk Management: It underwrites life insurance for overweight applicants. Check all underwriting options in Hartford insurance review
• Good Disability Insurance Choices: Specialized coverage for individuals who cannot work due to weight-related health concerns.
• Focus on Group Insurance: Employers offer group insurance via Hartford for more convenience and less strict application.

Cons

• Restricted Individual Insurance: No longer provides individual life insurance, so those who does not have group insurance option must look individual insurance somewhere.
• Employer-Dependent Options: The best offer comes from employer-sponsored group life plans.

#10 – USAA: Best for Military Benefits

Pros

• Flexible Underwriting for Militaries: USAA tends to consider BMI and weight-related conditions, especially for military members and veterans.
• No Deployment Exclusions: Policies remain valid even when deployed to combat zones.
• Affordable Rates for Overweight Policyholders: The USAA insurance review highlights that the insurer offers reasonable rates despite elevated BMIs.

Cons

• Strict Membership Requirement: Only offered to military members, veterans, and their families.
• Medical Exam for Larger Policies: This is flexible for BMI concerns, but other conditions like heart disease and diabetes may raise premiums.

Life Insurance Monthly Rates for Overweight People

This life insurance coverage guide offers everything you need to know. The basics of getting life insurance are knowing how much it would cost. So, here is the table for the top providers’ monthly terms and whole policy rates of the best life insurance.

Life Insurance Monthly Rates by Provider & Coverage Level for Overweight Individuals

Insurance Company	Term Policy	Whole Policy
	$35	$60
	$40	$70
	$37	$65
	$38	$68
	$36	$63
	$45	$75
	$39	$72
	$34	$62
	$41	$73
	$32	$58

AAA, USAA, and State Farm are among the providers that offer the lowest rates, with $32 to $62 per month on the terms and whole policy.

AAA not only offers low rates on its policy but is also the top overall pick for its inclusivity and extensive service. Moreover, you can still reduce the policy rates with these savings options we prepared for you.

Life Insurance Discounts From the Top Providers for Overweight Individuals

Insurance Company	Bundling	Family History	Healthy Lifestyle	Loyalty	Non-Smoker
	4%	5%	6%	3%	8%
	10%	10%	7%	3%	10%
	5%	5%	7%	4%	9%
	5%	10%	7%	3%	8%
	8%	10%	7%	4%	12%
	5%	8%	6%	3%	10%
	8%	5%	7%	3%	12%
	6%	15%	10%	4%	8%
	5%	8%	7%	3%	10%
	5%	10%	7%	2%	10%

Though it sounds so good, discounts set conditions for qualifying policyholders. If you qualify for more discount options, you’ll also save more on your monthly premiums.

Best Life Insurance Rates and Factors for Obese People

The rates of term life insurance and whole life insurance vary. The table below shows the monthly rate difference.

Life Insurance Average Monthly Rates for Overweight People by 20 Year/$250,000

Term policy insurance is cheaper, but coverage is also limited to a specific period of time. Whole insurance is much more expensive but covers you for life as long as premiums are paid.

In addition, several factors, like BMI, must be considered to determine the monthly rate of overweight 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. The table below lists other factors.

Factors Affecting the Monthly Rates of Obese Individuals

Each life insurance company determines its rates using rating categories, each 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.

Moreover, individuals in the Standard Plus or Standard categories pay more for life insurance than those in the Preferred or Preferred Plus categories.

In the end, applicants can save money on their life insurance premiums by improving their chances of qualifying for Standard Plus and maintaining good general health, such as by lowering blood pressure and cholesterol.

Read more: Can you get life insurance with high cholesterol?

Getting 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.

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 improving her health, including following a healthy diet and exercise plan and regularly visiting her doctor. Sarah applied for life insurance coverage 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 best insurance companies due to 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 obesity 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.

Ways to 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, 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 insurance rate reconsideration after improving your health. You may also include a recent doctor’s visit so that the life insurance company knows you are being monitored by a medical professional.

Understanding your life insurance policy allows you to explore ways to save money on life insurance. It is good to start a diet and exercise for overweight individuals to get lower premiums.

You may want to get online quotes from multiple companies for the best life insurance for overweight individuals. You can find affordable whole or term life insurance for overweight people by entering your ZIP code into our free quote comparison tool below.