Best Life Insurance for Overweight People (2024)
Finding the right life insurance coverage for overweight individuals can be challenging, but we're here to help. learn about your options, factors to consider, and expert advice to secure the coverage that suits your needs. Understand how weight affects premiums, explore specialized policies, and get tips for navigating the application process.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Jun 30, 2023
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 company and cannot guarantee quotes from any single insurance company.
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 above 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: Jun 30, 2023
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 company and cannot guarantee quotes from any single insurance company.
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 above to use the free quote tool. The more quotes you compare, the more chances to save.
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Welcome to our comprehensive guide on life insurance for overweight people, where we delve into the vital aspects of securing the right coverage for individuals facing weight-related challenges. We will explore key topics such as the importance of life insurance for overweight individuals, the impact of weight on insurance rates and available options
By the end of this informative read, you’ll be equipped with the knowledge to make informed decisions and protect your loved ones. Don’t miss the opportunity to secure your future today. Enter your zip code below and compare rates from the best insurance providers in your area.
Why are life insurance rates for overweight people more expensive than average?
Life insurance companies use the body mass index (BMI) to gauge your health status. This is one reason why life insurance providers ask for medical exams so that they can get a general idea about your health.
If your BMI indicates that you’re overweight, your life insurance rates could be more costly than expected.
Let’s look at the cost of life insurance based on the weight of a 35-year-old policyholder with a 20-year term life insurance policy and $500,000 in death benefits.
Weight of a 5'9'' Males | Average Monthly Rates for Males | Weight of a 5'4'' Female | Average Monthly Rates for Females |
---|---|---|---|
196 lbs. | $26 | 166 lbs. | $22 |
206 lbs. | $31 | 176 lbs. | $26 |
216 lbs. | $34 | 186 lbs. | $31 |
226 lbs. | $42 | 196 lbs. | $39 |
236 lbs. | $49 | 206 lbs. | $48 |
246 lbs. | $53 | 216 lbs. | $50 |
Weight has a small effect on your life insurance, but age and health are some of the most significant factors determining life insurance.
Also, your policy limits impact your life insurance. You can decrease your monthly premiums by at least $10 if you get a lower policy limit.
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Life Insurance for Overweight People: Where can I find the best rates?
Getting the best life insurance rates for overweight people takes some patience. You don’t have to buy the first life insurance quote you receive.
To find the best life insurance policies, start with the top insurance companies. Here’s a list of few companies that have reliable life insurance products:
- State Farm
- New York Life
- MassMutual
- Prudential
- Gerber
- Mutual of Omaha
These are only a few companies. There are several other life insurance providers close to you and across the nation.
Which life insurance policies are available for overweight people?
Overweight, obese, and plus-size individuals have the right to pursue any life insurance policy they choose.
The cheapest route is term life insurance, but permanent life insurance has more expensive rates and more perks.
You can customize a term life insurance policy. However, permanent life insurance, such as whole life insurance, comes with cash values.
Take it a step further and enroll in universal life insurance. Universal life insurances have investment opportunities along with cash values that accumulate over time.
How do I save money on life insurance for overweight people?
First, compare life insurance companies that can give you a policy. No medical exam or burial insurance is ideal if you can’t get a life insurance company to insure you.
Younger policyholders, regardless of weight, pay much less than seniors. Anyone between 20 years old and 49 years old should take advantage of the low costs now.
Finally, minimize your life insurance policy. Look at what you need. Term life insurance provides the minimum. For a little more, get a whole life insurance policy.
Can life insurance for overweight people be denied?
The short answer is yes. If the life insurance company believes you may be a high-risk, they could deny your policy.
Life insurance companies can’t deny you a policy on your weight alone – they have to explain why.
Lying about your weight, health, and other essential lifestyle questions could result in denial of service.
Life Insurance for Overweight People: What if I lose weight during my policy?
Any changes to your lifestyle should be reported to your life insurance company so that you can secure a cheaper monthly rate.
Whether you’ve decided to quit smoking or started healthier eating solutions, you have a right to pursue more affordable rates.
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Life Insurance for Overweight People: What is obesity?
According to Mayo Clinic, obesity is a disease where the body has excessive body fat. While it’s not a cosmetic concern, obesity can affect a person’s health.
Obese people are often denied a policy request because of the adverse effect obesity has on a person’s overall health. However, an obese person can secure a policy with the right company.
Case Studies: Best Life Insurance for Overweight People
Case Study 1: John Reynolds
John Reynolds, a 45-year-old man with a BMI of 35, had been struggling to find an affordable life insurance policy due to his weight. However, after thorough research and assistance from an insurance broker specializing in high-risk cases, he discovered an insurer that offered coverage tailored to overweight individuals.
Despite his weight, John managed to secure a term life insurance policy at a competitive rate, providing financial protection for his family.
Case Study 2: Sarah Patel
Sarah Patel, a 38-year-old woman with a BMI of 32, had tried multiple insurance companies but faced difficulties in obtaining life insurance due to her weight. After seeking advice from a financial advisor, she came across an insurer that had specific underwriting guidelines for overweight individuals.
The insurer took into account Sarah’s overall health and medical history, offering her a graded benefit life insurance policy that provided coverage with a waiting period. This policy allowed Sarah to protect her loved ones and gradually build full coverage over time.
Case Study 3: David Thompson
David Thompson, a 55-year-old man with a BMI of 38, had been declined coverage by several insurance providers due to his weight and pre-existing conditions. After consulting with an independent insurance agent, he learned about a specialized carrier that offered guaranteed issue life insurance.
This type of policy does not require a medical exam or health questions, making it an ideal choice for individuals with obesity-related health challenges. Despite his weight and medical history, David was able to secure life insurance coverage through this unique solution.
Life Insurance for Overweight People: What’s the bottom line?
Can obese people get life insurance? Yes, they can. Obesity doesn’t make anyone ineligible to receive life insurance.
Although obese people pay more for life insurance, anyone can reduce their life insurance rates by choosing a healthier lifestyle.
Now that you know more about life insurance for overweight people, enter your ZIP code in the free online quote tool below to compare the top companies near you.
Frequently Asked Questions
Why are life insurance rates for overweight people more expensive than average?
Being overweight is correlated with poor health and lower life expectancy. Life insurance companies use the body mass index (BMI) to gauge a person’s health status. If a person’s BMI indicates they are overweight, their life insurance rates may be higher.
Where can I find the best rates for life insurance for overweight people?
Finding the best life insurance rates for overweight people requires some patience. It is best to compare quotes from multiple companies. Some reliable life insurance providers are AIG, Prudential, MetLife, and Transamerica.
What types of life insurance policies are available for overweight people?
Overweight individuals have the right to pursue any life insurance policy they choose. The cheapest option is term life insurance, but permanent life insurance policies, such as whole life insurance or universal life insurance, offer cash values.
How can I save money on life insurance for overweight people?
Comparison shopping for life insurance is the best way to save money. Some tips to keep premiums lower include choosing a policy with a lower limit, improving health, and considering term life insurance over permanent life insurance.
How can I alert life insurance providers about lifestyle changes?
If an individual has lost weight or made other significant lifestyle changes, they can contact their life insurance provider to request a re-evaluation of their policy. However, not all providers may agree to adjust the policy.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
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.