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High BMI 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 with an average BMI between 20 and 22.9
  • Countries with an average BMI between 23 and 24.9
  • Countries with an average BMI between 25 and 26.9
  • Countries with an average BMI of 27 or over

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

About iam|INSURED

We’re a team of passionate life insurance 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 and find life insurance.

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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.

Will my life insurance payout for high BMI?

Yes – if you die from high BMI or anything connected to your weight then your life insurance should payout 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.

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:

  • Pay off your mortgage
  • Clear debts
  • School fees

Does critical illness cover payout 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.

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

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

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

Will income protection payout 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 payout.

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 a 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.

Life insurance premiums are generally lower for younger lives, so it’s always wise to explore getting cover as young as possible. There are a number of reasons why you might want to look at cover 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 a high BMI.

Cheaper life insurance with high BMI

It is possible to reduce your premiums and save money if you’ve got 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 losing weight, this can be useful if you’re on a diet program to reach a healthy weight

You could save a lot of money every month simply by following some of these steps and getting 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 years lower life expectancy.

What is the obesity rate for the UK in 2020?

The 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 show obesity rates of 67% for adult males, 60% for adult females, and 20% for 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

British Obesity Society – Charity

HOOP (Helping People Overcome Obesity Problems)

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