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High BMI life insurance

Have you ever been concerned your BMI is too high for life insurance?

One of the most significant factors when applying for life insurance is your BMI (Body Mass Index). This is the most common formula that is used in the UK and in other countries to measure someone’s body fat.

The BMI scale most commonly uses:

  • Height
  • Weight
  • Age
  • Waist size

Globally there are several different Body Mass Index (BMI) scales that can vary depending on genetics, lifestyles, and other risk factors. There are four BMI scales around the world which are:

Countries average BMI20 – 22.9
Countries average BMI23 – 24.9
Countries average BMI25 – 26.9
Countries average BMI27 or over

The average Body Mass Index (BMI) in the UK is 27.0.

Why we are high BMI life insurance experts

Here at iam|INSURED, we have helped thousands of people with higher than average BMI scores to achieve their goal of getting insurance to protect their own lives and the well-being of their families. Our passion is achieving your peace of mind.

Have you been refused life insurance for high BMI?

If you have ever been denied cover due to your BMI, our friendly team of advisers are always available and happy to give you reliable FREE advice. We are able to help you to get the best life insurance for high BMI – we want you to have the great cover you deserve.

About iam|INSURED

We’re a team of dedicated experts that has protected thousands of families across the UK over the past 20 years. Our team of specialist life insurance advisors are the most experienced in helping people with high BMI and other medical conditions to save money.

Our team are also rated 5.0 out of 5.0 (EXCELLENT) by over 900 customers on Feefo so you’re in safe hands.

Check out our latest AWESOME reviews on FEEFO

In this article we’ll aim to answer some of your questions about life insurance with a high BMI and how we can help you to save money.

Key facts about applying for life insurance with a high BMI

Here are our top 3 facts about applying for life insurance when you have a high BMI:

  • The main thing is making sure you find the insurance provider that is right for you. Some insurers may add a price increase on premiums the higher your BMI is. If your BMI is high enough, they may even decline your application. It is however possible they could reconsider this, if your weight changes favourably.
  • It is very important you answer all questions regarding your weight and BMI honestly and accurately when applying for life insurance. If the information you provide is inaccurate, it could invalidate your cover. This could lead to you not getting the pay out you deserve right when you need it.
  • It is still possible to get great cover with a high BMI – even if you have been declined in the past! Here at iam|INSURED, we are passionate about ensuring everyone can receive the best cover no matter what pre-existing conditions or other factors may affect their applications. We will work tirelessly to match you up with a provider that is perfect for your needs.

How to calculate your BMI

If you are concerned your BMI may affect your chances of getting life insurance, the first step you can take is to calculate what your BMI is – that way you have an idea of how much your policy may be affected.

There are plenty of great resources online with dedicated BMI calculators, the main one being the NHS Choices website, where you can plug in your details and their calculator will take care of the rest.

BMI statistics

Below we have an example of a person’s information (age, smoker status, type of cover etc.):

Age (years)30
Type of CoverFamily
Term of Policy30 years
Sum Assured (£’s)£150,000

Here are some examples of typical premiums for life insurance based on possible different BMI scores:

Premium (£s)£7.00£7.00  £8.78  £10.03  £12.04

It goes to show just how much variation there can be in the prices you could potentially pay based on very small changes in weight.

NB. These examples are based on prices generated on 11.02.21 and do not take into account any other medical/health factors so prices may vary.

How can I get cheaper life insurance if I have a high BMI?

There are definitely ways in which you can minimise the cost of your life insurance policy even with a high BMI. Even the smallest changes can make a big difference. Here are a few tips to help you reduce those premiums:

  • Reduce your BMI: It can seem like a big task but if you are successful in losing weight, even a small reduction in your BMI could make a big difference and help you qualify for a lower premium.
  • Reduce the policy term: A policy that takes place over a shorter time period can also reduce costs.
  • Reduce cover: If you simply take out less cover this can make it a lot more affordable for you.
  • Quit smoking: Smoking can have a big impact on insurance policies especially with other factors such as high BMI involved. If you quit, after 12 months you will be classified as a non-smoker.

Will my life insurance pay out for high BMI?

Yes – if you die from high BMI or anything connected to your weight then your life insurance should pay out to your family (beneficiaries).

Ultimately, your life insurance is designed to give you peace of mind that your family is protected if anything happens to you. Most standard life insurance policies don’t exclude anything pre-existing and will take health into account when your policy is accepted.

Risks of high BMI that could affect your insurance policy

High BMI is not classed as a life-threatening condition or risk to health, however there are other risks connected to this.

Some of the reasons why you might be concerned about your BMI for life insurance could be:

If you die during the term of your policy then your family should receive a tax-free lump sum to pay for a number of different events, such as:

  • Paying off your mortgage
  • Clearing debts
  • School fees

Does critical illness cover pay out for high BMI?

This type of policy is specifically designed to pay out a tax-free lump sum if you are diagnosed with a serious medical condition.

You might not consider that high BMI is serious or severe, but there are certain linked health risks to think about. Someone can increase their BMI at any stage in life so this can occur throughout the term of your policy.

If your policy is accepted when your BMI is ‘normal’ and then increases later in life, that won’t affect an existing policy.

Reasons why high BMI could pay out under a critical illness policy

Some of the main reasons why high BMI could pay out under a critical illness policy are:

  • Cardiovascular disease and risks
  • Stroke
  • Cancers
  • Heart attack

Your policy can provide you and your family with financial protection if you are impacted by a serious medical problem.

Will income protection pay out for high BMI?

Yes – if you’re unable to work for a period of time (usually 4 weeks or more) then your income protection policy should pay out.

This type of cover is specifically designed to replace your income if you were unable to work for up to 12 or 24 months. Should you be signed off by your doctor or GP for any reason then your benefit payments should begin.

There are a number of health-based factors that might cause you to need to take time off work due to high BMI. Your policy will provide you with an income for that period and make sure that you are fit to return to work.

Income protection can provide you with financial stability during a period of absence for things like:

  • Mortgage or rent payments
  • Ongoing costs of living
  • Utilities
  • Debt payments

About high BMI life insurance

Here is some information and some of the answers to the most common questions about getting life insurance with a high BMI.

Can I get life insurance with a high BMI?

Yes – you should be able to access a new life insurance policy if you have a higher than average BMI.

Most insurance companies have their own BMI scales, so you may find that pricing can vary dramatically from one insurer to another. If you have been declined previously because of your BMI or if you have been quoted high premiums, then it is still worth speaking to an expert.

A specialist or expert advisor will have access to different products and will also know which insurers are best for high BMI.

How much does life insurance with high BMI cost?

Typically, a life insurance premium is based on several ‘standard’ factors that help to determine your monthly payment, including:

  • Age
  • Sum assured (amount of cover)
  • Term (years)
  • Smoker status

Another of the more normal metrics that are used to determine the cost of your policy will be your height and weight.

Why you should get life insurance earlier in life

Life insurance premiums are generally lower for younger people, so it’s always wise to explore getting cover as early as possible. There are a number of reasons why you might want to have cover already in place later in life, such as:

  • Moving house
  • Childbirth
  • Changing jobs

You should shop around to get the best deals for life insurance and make sure that you ideally speak to an expert if you have high BMI.

Cheaper life insurance with high BMI

It is possible to reduce your premiums and save money if you’ve got a higher than normal BMI. You can potentially save a considerable amount of money by following a few simple steps, including:

  • Speak to an expert: you can save money on your life insurance by getting free advice from an expert or specialist broker
  • Apply to the right insurer: an expert or whole of market broker should be able to identify which insurer will be cheapest for you
  • Manage your BMI: it is also possible to reduce your premiums by controlling or even reducing your weight, this can be useful if you’re on a diet program

You could save a lot of money every month simply by following some of these steps and get a fairer price for your cover.

Medical conditions linked to high BMI

There are a number of potential health risks linked to high BMI as well as other lifestyle-based conditions.

Some of the main conditions linked to high BMI are:

It is commonly known that obesity and high BMI levels can result in other health risks if not managed properly.

Common questions about high BMI

Some of the most common questions that people ask about high BMI and the risks linked to obesity.

How does BMI affect life expectancy?

Research has shown that people with the lowest death rates are women with a BMI between 22 to 23.4, and men with a BMI from 23.5 to 24.9. It has also been proven that people who are classed as extremely obese have an estimated 20 year lower life expectancy.

What is the obesity rate for the UK in 2020?

Latest figures from NHS England showed statistics on obesity, physical activity and diet (in 2020) suggests that the majority of adults are overweight or obese. Official numbers from the report shows obesity rates of 67% for adult males, 60% for adult females, and 20% of Year 6 children.

Is a BMI of 35 high?

The BMI range suggests that a score between 20 and 24.9 is ‘normal’, scores from 25 to 29.9 is ‘overweight’, you are classed as ‘obese’ with a score between 30 to 34.9, and ‘extreme obesity’ is a score of 35 or more.

Useful resources for high BMI

Here are some of the most useful resources that we could find for people who wanted more information about high BMI.

NHS Choices – Obesity

Obesity UK – Charity

British Obesity Society – Charity

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