Can Morbidly Obese People Get Life Insurance?

Shawn Plummer

CEO, The Annuity Expert

Understanding Life Insurance for Obese Individuals

Fully Underwritten Policies

  • Height and Weight Considerations: Insurers use height and weight charts during the underwriting process.
  • Declination for Exceeding Limits: If an applicant’s measurements significantly exceed the chart limits, they may be declined.

Final Expense Plans

  • Liberal Criteria: These plans have more lenient height and weight charts compared to fully underwritten policies.
  • Coverage Limitations: Final expense plans typically offer lower coverage amounts.
  • Higher Premiums: Due to the increased risk, premiums for these plans are generally higher.

Guarantee Issue Plans

  • Last Resort Option: If other plans are not viable, guarantee issue plans can be considered.
  • No Medical Underwriting: These plans do not require a medical exam or health questions.
  • Limitations: Coverage amounts are usually lower, and premiums can be higher.

Comparing Life Insurance Options for Obese Individuals

Policy TypeUnderwriting ProcessHeight/Weight FlexibilityCoverage LimitPremium Cost
Fully UnderwrittenStrict based on chartsLimitedHigherVaries
Final ExpenseMore lenient chartsMore flexibleLowerHigher
Guarantee IssueNone (no medical exam)Not applicableLowerHigher


Navigating life insurance options as a morbidly obese individual can be challenging, but there are avenues available. Understanding the differences between fully underwritten policies, final expense plans, and guarantee issue plans is crucial. Each option has its own set of criteria, coverage limitations, and cost implications. It’s important to evaluate these options based on individual needs and circumstances.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, 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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