Best Life Insurance for Overweight Individuals in 2025 (Compare the Top 10 Companies)
Life insurance for overweight people is easier to find than most people think. Many obese people still qualify for life insurance and average life insurance rates. However, overweight people may reduce rates with a healthy diet and exercise plan that is helping them lose weight and frequent doctor visits to monitor their health.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Feb 13, 2025
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
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 on this page 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: Feb 13, 2025
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 provider and cannot guarantee quotes from any single provider.
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 on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page

Company Facts
Full Coverage for Overweight Individuals
A.M. Best Rating
Complaint Level
Pros & Cons


Company Facts
Full Coverage for Overweight Individuals
A.M. Best Rating
Complaint Level
Pros & Cons


Company Facts
Full Coverage for Overweight Individuals
A.M. Best Rating
Complaint Level
Pros & Cons

AAA, Allstate, and American Family offer the best life insurance for overweight individuals, with monthly rates starting at $58.
These companies are known for its
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 | 15% | A | Strong Reputation | AAA | |
#2 | 25% | A+ | Extensive Coverage | Allstate | |
#3 | 25% | A | Loyalty Rewards | American Family | |
#4 | 25% | A | Flexible Policies | Liberty Mutual | |
#5 | 20% | A | Reliable Claims | Farmers | |
#6 | 25% | A++ | Affordable Premiums | Geico | |
#7 | 20% | A+ | Personalized Service | Nationwide | |
#8 | 17% | B | Industry Leader | State Farm | |
#9 | 5% | A+ | Financial Stability | The Hartford | |
#10 | 10% | A++ | Military Benefits | USAA |
This life insurance guide aims to get the best insurance for overweight individuals and ensure they get the coverage tailored to their needs. Find the best yet affordable insurers and get your quick quotes here by entering your ZIP code.
Life insurance is essential for individuals with families and financial obligations. Overweight individuals with other health problems will want to ensure their families are protected.
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 above to get life insurance quotes from companies in your area.
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#1 – AAA: Top Overall Pick
Pros
- Affordable Rates for High BMI Applicants: The AAA offers 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 policies do not require an exam, making it easier for obese individuals 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, whole, and universal life insurance, whichever fits their financial needs.
- Accommodating BMI Standards: Allstate is more forgiving of higher BMI levels, giving overweight applicants better options to qualify.
- Financially Stable: With A+ AM 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 qualifies for standard or preferred rates.
- Renewal Advantage: AmFam is stable regarding the renewal of policyholders 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.
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#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 don’t deny or overprice applicants based only on BMI but assess their overall health and lifestyle to determine what policy they may qualify for.
- Broad Coverage Choices: Offers term, whole, and universal policy that best suits overweight individuals.
- 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.
- Medical Exam for Larger Policy: Medical exams are required that may raise premiums.
#6 – Geico: Best for Affordable Premiums
Pros
- Competitive Market Pricing: Secures lower rates than traditional providers with just $63 full coverage monthly rates.
- Discounted Pricing for Bundling: 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.
- Customer Experience Varies: Claims and other coverage management are handled by partner companies, so service quality differs.
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#7 – Nationwide: Best for Personalized Service
Pros
- Holistic Health Assessment: Nationwide assesses the overall health status rather than just the BMI results at a more customized rate.
- 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.
#8 – State Farm: Best for Industry Leader
Pros
Cons
#9 – The Hartford: Best for Financial Stability
Pros
Cons
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#10 – USAA: Best for Military Benefits
Pros
Cons
Life Insurance Monthly Rates for Overweight People
Here is the table for the top providers’ monthly minimum and full coverage rates.
Life Insurance Monthly Rates by Provider & Coverage Level for Overweight Individuals
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$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 minimum and full coverage.
AAA not only offers the low rates on its coverage but it is also the top overall pick for its inclusivity and extensive service.
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.
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Life Insurance Rates and Factors for Obese 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.
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.
Let’s look at some samples of life insurance rates for a 5’9, 240-pound male with elevated cholesterol and high blood pressure:
Term Life Insurance Average Monthly Rates for Overweight People
Age | 20-Year, $250,000 Term Life Insurance Average Monthly Rates | $250,000 Whole Life Insurance Average Monthly Rates |
---|---|---|
30 | $22.00 | $176.00 |
40 | $35.00 | $280.00 |
50 | $80.00 | $693.00 |
60 | $176.00 | $1,020 |
Individuals in the Standard Plus or Standard categories pay more for life insurance than those in the Preferred or Preferred Plus categories.
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 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 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 life 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 life insurance application. You may also include a recent doctor’s visit so that the life insurance company knows you are being monitored by a medical professional.
Life Insurance Discounts From the Top Providers for Overweight Individuals
Insurance Company | Available Discounts |
---|---|
Multi-Policy, Bundling, Healthy Lifestyle | |
Multi-Policy, Bundling, Safe Driving | |
Multi-Policy, Bundling, Healthy Habits | |
Multi-Policy, Bundling, Safe Driving | |
Multi-Policy, Bundling, Good Health | |
Multi-Policy, Bundling, Loyalty | |
Multi-Policy, Bundling, Safety Features | |
Multi-Policy, Bundling, Healthy Living | |
Multi-Policy, Bundling, Healthy Lifestyle | |
Multi-Policy, Bundling, Loyalty, Military |
There are many ways to save money on life insurance. For overweight individuals, it is good to start a diet and exercise to get lower premiums.
Finally, you may want to compare insurance quotes for overweight people from multiple companies. Find affordable life insurance for overweight people by entering your ZIP code into our free quote comparison tool below.
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Frequently Asked Questions
Can overweight individuals obtain life insurance coverage?
Yes, overweight individuals can obtain life insurance coverage. While being overweight may affect the premium rates and eligibility criteria, it does not necessarily disqualify individuals from getting life insurance.
How does being overweight impact life insurance rates?
Being overweight can affect life insurance rates because insurers consider weight as a potential risk factor for certain health conditions. Typically, the higher the body mass index (BMI), the higher the premium rates might be.
Are there specific BMI thresholds that affect life insurance rates?
Life insurance companies may have different underwriting guidelines, but generally, BMI thresholds exist. When an individual’s BMI falls within the “overweight” or “obese” categories, it can result in higher premiums compared to individuals with a normal BMI.
Are medical exams required for overweight individuals applying for life insurance?
Depending on the insurance company and the coverage amount sought, medical exams may be required for overweight individuals. Insurers often assess an applicant’s health status through medical underwriting, which may involve a medical exam, blood tests, and other relevant assessments.
Can pre-existing health conditions related to weight impact life insurance coverage?
Yes, pre-existing health conditions related to weight, such as diabetes, high blood pressure, or heart disease, can impact life insurance coverage. Insurers consider these conditions as potential risks and may adjust premiums accordingly or impose exclusions on coverage related to those conditions.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
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.