Life Insurance For Overweight Applicants: How BMI Affects Rates

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding the Impact of BMI on Life Insurance

Body Mass Index (BMI) is a critical factor that life insurance companies consider when assessing your health risk. A higher BMI often indicates increased health risks, such as heart disease, diabetes, hypertension, and certain cancers. These risks can lead to higher premiums or even policy denials. However, understanding how BMI affects life insurance and taking steps to improve your health can significantly impact your premiums and coverage options.

Why BMI Matters in Life Insurance

Life insurance companies use BMI to evaluate the likelihood of health issues that might lead to claims. A higher BMI can be associated with:

  • Heart Disease: Excess fat can strain your heart.
  • Diabetes: Overweight individuals are at a higher risk of developing Type 2 diabetes.
  • Hypertension: Obesity often leads to high blood pressure.
  • Cancer: Certain types of cancer are more prevalent among those with higher BMI.

These health risks mean insurers may charge higher premiums or offer limited policy options to mitigate their risk.

BMI Calculator for Life Insurance

BMI Calculator for Life Insurance

BMI Calculator for Life Insurance


Unit of measurement *



Strategies to Improve Life Insurance Approval and Rates

Improve Your Health:

  • Healthy Diet and Exercise: Adopting a healthier lifestyle can lower your BMI, positively affecting your insurance rates.
  • Medical Interventions: Consult healthcare providers for effective weight management plans.

Provide Comprehensive Health Information:

  • Detailed Medical Records: Submitting complete and accurate medical history helps insurers assess your overall health.
  • Current Health Status: Demonstrating efforts to maintain or improve health can be beneficial.

Shop Around:

  • Different Insurers: Each company has unique underwriting criteria, so exploring various options can help you find better rates.
  • Specialized Policies: Some insurers offer policies specifically designed for individuals with higher BMI.
Bmi For Life Insurance

How We Can Help

At The Annuity Expert, we understand the challenges you face when seeking life insurance with a higher BMI. With 15 years of experience as an insurance agency, annuity broker, and retirement planner, we are committed to finding the best solutions at the lowest costs. We believe in offering personalized services that cater to your unique needs, ensuring you feel valued and special.

Understanding Your Challenges

Navigating life insurance options can be daunting, especially for those with a high BMI. The fear of high premiums or policy denial can be overwhelming. Our goal is to alleviate these concerns by providing expert guidance and tailored solutions.

Our Promise:

  • Personalization: We tailor our services to meet your individual needs and preferences.
  • Attention to Detail: We demonstrate care and thoughtfulness in every interaction.
  • Storytelling: We connect with you emotionally, making our interactions more meaningful.
  • Surprise and Delight: We aim to leave a lasting positive impression through unexpected moments.
  • Empowerment: Our employees are encouraged to take initiative and make decisions that enhance your experience.
  • Consistency: We maintain high standards and build trust and reliability.
  • Generosity of Spirit: We focus on your well-being and happiness.
Bmi For Insurance

What We Recommend

Step 1: Initial Consultation

  • What Happens: Contact us to schedule a free initial consultation. During this session, we will discuss your health profile, insurance needs, and financial goals.
  • Main Benefit: You will gain a clear understanding of your options and how we can help you secure the best life insurance policy for your situation.

Step 2: Personalized Plan Development

  • What Happens: We will create a personalized plan that considers your BMI, health status, and financial objectives. This plan will outline the best insurance options available to you.
  • Main Benefit: You will receive a tailored strategy designed to maximize your coverage while minimizing costs.

Step 3: Policy Implementation

  • What Happens: We will assist you in applying for the chosen policy, ensuring all paperwork is completed accurately and efficiently.
  • Main Benefit: You will secure a life insurance policy that meets your needs and provides peace of mind for you and your loved ones.

Features and Benefits

Expert Guidance:

  • What It Means: Access to knowledgeable advisors with extensive experience.
  • Benefit: You receive informed recommendations and support throughout the process.

Tailored Solutions:

  • What It Means: Customized insurance plans based on your unique needs.
  • Benefit: You get the best possible coverage at the most affordable rates.

Ongoing Support:

  • What It Means: Continuous assistance and policy reviews.
  • Benefit: You remain confident that your coverage adapts to any changes in your health or circumstances.

Addressing Objections

  • Objection: “I might not qualify due to my BMI.”
    • Counter: We specialize in finding policies for individuals with higher BMI and have a track record of success.
  • Objection: “The premiums will be too high.”
    • Counter: Our personalized approach ensures we find the most cost-effective solutions tailored to your budget.

Choosing not to work with us could mean settling for higher premiums, inadequate coverage, or even policy denial. You might miss out on the expert guidance and personalized service that can make a significant difference in securing the right life insurance policy.

By partnering with The Annuity Expert, you can expect peace of mind, financial security, and a personalized approach that makes you feel valued and understood. You will experience the confidence that comes with knowing your future is protected, regardless of your BMI.

You will feel relieved, supported, and empowered knowing you have a dedicated team working to secure the best life insurance options for you.

For free advice or a quote, contact us today and take the first step toward securing your future.

Need Help Getting Life Insurance Coverage?

Feel free to contact us if you need help applying for a life insurance policy. The service is free of charge.

Life Insurance Inquiry

Frequently Asked Questions

Can I get life insurance if I am overweight?

Yes, it is possible to get life insurance if you are overweight. However, you may face higher premiums or be denied coverage altogether, depending on the severity of your weight condition and other health factors. Insurance companies use BMI to measure health risks and consider other factors such as age, gender, and health history when determining premiums. If you are overweight, shopping around and working with an insurance professional to find the right policy for your needs and budget is essential.

What BMI is too high for life insurance?

Usually, insurance companies prefer if your Body Mass Index (BMI) is not above 46. However, some companies are more flexible, especially for people older than 60.

Can life insurance be denied for weight?

Yes, sometimes people can be denied life insurance if they weigh too much.

What BMI is considered normal?

A BMI between 18.5 and 24.9 is seen as normal.

Can having weight loss surgery stop you from getting life insurance?

No, having weight loss surgery doesn’t stop you from getting life insurance. But if there are problems after the surgery, like infections, those could be considered.

Do all life insurance companies ask for BMI?

Most companies do ask for your BMI, but some don’t.

Does body frame affect BMI?

Yes, BMI is a measure that compares your height and weight. It doesn’t consider whether you’re very muscular, so different body types can have the same BMI.

How does weight affect life insurance rates?

Usually, if your BMI is higher, you might have to pay more for life insurance. But some companies don’t ask about your weight, and some are more flexible for older people.

Can you be denied coverage for high cholesterol?

You can be denied life insurance if your cholesterol is too high.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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