Life Insurance for Overweight People (Discounts & Rates)

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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 25, 2021

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The Highlights

  • Most overweight people will still qualify for life insurance
  • Some overweight people will still qualify for average life insurance rates as long as they don’t have other medical conditions or weight-related issues
  • Overweight people may be able to reduce their rates by having a healthy diet, exercise regimen, and regularly seeing their doctor

Life insurance is essential for individuals with families and financial obligations. Overweight individuals who may have other health problems will want to make sure 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.

Can I get 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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How much is life insurance 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 rating category is 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:

Average Monthly Term Life Insurance Rates for Overweight People
Age20-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
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Individuals in the Standard Plus or Standard categories pay more for life insurance than those in the Preferred or Preferred Plus categories.

How can I 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 and 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.

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.

Are you looking for free insurance quotes?

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