Life Insurance for Overweight People (Discounts & Rates)

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.

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:

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.