High BMI – Yes, You Can Get Life Insurance

At Life Expert, we are a leading insurance broker for people looking to protect themselves and their families who are classed as non-standard because of their medical history. Having a pre-existing condition can be difficult but we are here to help finding a life insurance policy when you have a high BMI.


Although it shouldn’t be difficult to find life insurance for people with high BMIs, many companies view this as a higher risk than if your BMI was within the “normal” range.

As a result, if you are overweight or obese, you may have received a life insurance rejection elsewhere. We might be able to assist you, though. 70% of the customers who come to us after being rejected elsewhere have found coverage. Our life insurance professionals have dealt with thousands of patients who had pre-existing diseases. We can assist you in saving money while locating the insurance you require. This covers those with a high BMI who are looking for income protection, critical sickness insurance, or life insurance. For certain circumstances or medical problems, insurance underwriting can vary significantly from one provider to another. This is especially true for BMI since BMI limitations and scales vary from insurer to insurer.

How Does BMI Affect Life Insurance?

If your BMI is greater than the “average” level, your premiums can end up costing a little bit extra.


While some insurers start raising premiums at a BMI of 30, others will cover at standard terms up to a BMI of 36. Some start imposing restrictions at 33, while others extend coverage for those who are overweight or obese up to a rating of 45.


As you can see, it is really diverse. This is why it’s crucial to work with a broker who is knowledgeable about the industry and who can recommend the finest insurers to protect you and your BMI. There are specialised suppliers that we may contact who should be able to cover you if your BMI is over 45.

If I Lower My BMI, Will I Have More Options For Insurance Cover

It’s worth getting in touch with us as soon as possible if you’re considering lowering your BMI to see whether we can provide coverage. This is because you have more options while you’re younger. The process of losing weight is never quick, and it may take years to attain your objectives. Your premiums should drop as a result, though.


If you do lose a large amount of weight, we can examine your new BMI to determine whether this has improved your chances of finding a less expensive life insurance policy. You have a fantastic potential to start living a healthier lifestyle if you lower your BMI.

How Do I Work Out My BMI?

Calculating your BMI is the first step in obtaining life insurance if you are overweight or obese. One of the most important considerations when applying for life insurance is your body mass index. The most popular method for calculating a person’s height to weight ratio is called BMI.


The BMI scale is most often applied to:


  • Height

  • Weight

  • Age

  • Waist Size

It is a simple calculation using a person’s height and weight. The formula is:


BMI = kg/m2 where kg is a person’s weight in kilograms and m2 is their height in metres squared.


A BMI of 25.0 or more is classed as overweight, while the healthy range is 18.5 to 24.9. BMI applies to most adults 18-65 years.

How High BMI Life Insurance, Critical Illness Cover & Income Protection Works

For most persons with high BMIs, obtaining life insurance shouldn’t present any significant problems. However, everything would depend on the subsequent factors.


Your policy for high BMI life insurance, critical illness insurance, or income protection is calculated based on each of these factors.


  • Your current BMI

  • Any recent weight loss or gain

  • Treatment, medication or surgery

  • Other weight related issues

  • General health

We can use all of the information you submit to apply for life insurance with a number of different companies. Based on your particular circumstances, we are aware of which carriers are more likely to offer you coverage.


Speak with one of our knowledgeable advisers if you want additional details or a quote for High BMI life insurance, critical illness coverage, or income protection. With the appropriate protective cover, we hope to assist consumers in protecting their families, homes, or businesses.


We can also assist you in saving money on speciality insurance, which includes a large number of people with high BMI who require income protection, critical sickness insurance, and life insurance.

How Can I Save On Life Insurance If I Have A High BMI?

Even if you have a high BMI, there are ways to reduce the cost of your life insurance coverage. The tiniest adjustments can have a significant impact. Here are some suggestions to assist you in lowering those premiums:


  • Reduce your BMI: Losing weight may seem like a difficult endeavour, but if you are successful, even a minor weight loss and a decrease in your BMI could make a major impact and help you qualify for a cheaper premium.

  • Shorten the duration of the insurance: A policy that operates for less time can also save money.

  • Reduce cover: You may make it much more affordable for yourself by just taking out less cover.

  • Quit smoking: When other variables, such as a high BMI, are present, smoking can have a significant impact on insurance plans. If you stop smoking, you will no longer be considered a smoker after a year.

It can be difficult to find life insurance when you’re overweight or obese, but our EXPERTS can assist. We know exactly which insurers will be your best choice for the cover you need because we are the top specialists in the UK for advising on insurance for persons with high BMIs.

How Much Does High BMI Life Insurance Cost?

Every situation and every application are unique. Without considering your personal information, medical history, and BMI, we would never be able to give you an estimate of the cost.


In general, you may be eligible to pay standard rates for most insurance policies if you apply for life insurance while having a high BMI but a BMI under 40. This would depend on the specific insurance provider, as some charge a higher cost below this level. Anyone whose BMI is greater than 36 may receive a higher monthly premium quote.


Typically a life insurance premium is based on several ‘standard’ factors that help to determine your monthly payment, including:


  • Age

  • Sum Assured

  • Term

  • Smoker Status

You will always be questioned about your BMI in addition to any existing medical conditions to decide whether a specialist insurance is required. To avoid any problems later, you must be completely upfront and truthful with all of the information you provide.


Although talking about your weight can be a touchy subject, don’t worry! We’ll do our best to put you at ease throughout our conversations and we won’t pass judgement; we simply need to know so we can make sure you have the best insurance possible.


It’s important to remember that younger people typically have lower life insurance premiums, so it’s always a good idea to look into acquiring coverage as soon as you can. Later in life, you might consider cover for a variety of reasons, including:


  • Moving House

  • Childbirth

  • Changing Jobs

High BMI Life Insurance Rates

The majority of High BMI life insurance applications are regarded as “non-standard,” which results in higher rates. This is because having a high BMI and being obese can frequently result in serious illnesses, and many people who have a high BMI go on to get sick.


If your life insurance is described as “non-standard,” your rates may be slightly higher depending on your BMI. Your premium may increase if additional risks are discovered by underwriters.


The additional cost of life insurance coverage is determined by insurance companies using a risk-based system. Your premium may be increased by a further percentage or mille loading. You might have gotten different estimates elsewhere because insurance companies’ guidelines differ from one another.

High BMI Critical Illness Cover

High BMI individuals shouldn’t be discouraged from applying for critical sickness insurance. You should be able to receive critical illness insurance with several common insurers if your BMI is under 45.


As long as your BMI falls within a particular range, you may be able to get high BMI critical illness insurance at regular premiums or with a minimal premium loading.


You can discover that critical illness insurance is provided at regular premiums depending on your specific situation. If your high BMI falls between the low and mid-30s range, this is most likely the case.


It could be more difficult in some situations where the applicant has greater levels or if there are additional medical or health issues. It could be a little trickier to obtain critical illness insurance if you have a high BMI.


It may be more difficult to obtain Critical Illness Coverage if you weigh more. This is mostly because being overweight has broader health implications and can increase your risk of contracting one of the serious illnesses covered by the insurance. Regardless of the cause of your high BMI, the higher premium balances the increased likelihood of you filing a claim.


Due to the increased health risks, getting High BMI critical illness coverage may be more difficult in some situations where there are additional medical conditions, such as Type 2 Diabetes. A more specialised provider or product is needed for certain of the applications we get for High BMI critical illness coverage because they fall beyond the usual standards.


Your application for critical illness insurance may need to be submitted to a specialised insurer if your BMI is over 45. However, this does not necessarily imply that it will be beyond your means. There is no commitment to move forward with anything after we walk you through the possibilities.


You’ll discover that a higher BMI is frequently viewed as more acceptable as you become older. Insurance companies are aware that as we age, our physical fitness levels tend to decline, our bodies alter, and gaining weight can be completely normal.

High BMI Income Protection

If your BMI has been deemed high and you require income protection, you might be able to secure coverage. It is feasible in some circumstances when a high BMI is not accompanied by any serious health problems. If your height and weight are inside a specified range, then this would be the case.


A high BMI person will need to enrol in income protection insurance from a health-conscious insurer.


Obesity-related health problems make it more challenging to qualify for High BMI income protection. This is because fat and health issues are closely related, and if you do get sick, you might need to take time off of work.


Applications for High BMI income protection will also take into account your recent absence from work, as well as the reasons behind it.


In comparison to other insurances, the requirements for income protection are a little stricter. This is due to the fact that claims on this kind of insurance are far more likely to be made overall. The risk of filing a claim increases when a person has a pre-existing medical condition.


Having a higher BMI can result in additional health issues. This implies that your increased weight may be interpreted by insurers as a warning that you are more likely to contract a disease and become disabled.