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Overweight Life Insurance

If you’re overweight or have a high BMI and you need life cover, you’ll just need to let insurers know what your height and weight are to calculate your Body Mass Index (BMI). According to the latest figures (2018), 63% of the UK population were overweight or obese which has significantly increased over the past 30 years.

You might be put off taking out a life insurance policy because of your weight but don’t worry and there are lots of options. What’s important is to make sure that your family has the right amount of financial coverage.

We’ve helped thousands of people who are overweight to get affordable life cover to protect their families.

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Facts about life insurance for overweight people

Are you overweight or obese? Or maybe you’ve got a related condition like type 2 diabetes, high cholesterol, or high blood pressure. If so, then here are the answers to some of the most common questions that we get asked.

Can you get life insurance if you are overweight?

Yes – you should be able to get life insurance quickly and easily if you are overweight or have a high BMI. You should be able to get life cover to protect your family and not need to have a medical unless you’ve got other health problems.

Most of the major brand insurance providers have their own BMI scale that they work to and will offer to cover up to their own levels. Historically it has been more difficult to get life insurance for people who are overweight but things are getting better thankfully.

How does BMI affect life insurance?

Most insurance providers use BMI (Body Mass Index) to assess height and weight ratio for life insurance. Some insurers use the US (American) BMI scale and others use the UK version which is slightly different. Insurers using the US scale tend to be slightly more lenient on BMI.

What is BMI?

The body mass index (BMI) is a method that is commonly used by healthcare professionals to work out whether your weight is healthy using your height and your weight. The calculation of BMI divides a person’s weight in kg’s by their height in meters squared. For example, a BMI of 35 means 35kg/m2.

BMI levels according to the NHS

Under 18.5Underweight
18.5 to 24.9Healthy weight
25 to 29.9Overweight
30 to 39.9Obese
Over 40Morbidly obese


For more information on this, the NHS report on ‘Statistics on Obesity, Physical Activity, and Diet – England 2018’

Generally speaking, the higher your BMI, the higher your risk of developing other associated medical conditions including:

  • Diabetes
  • Heart disease
  • Sleep apnoea
  • Fatty liver disease

These are the main co-morbidity conditions that are linked to being overweight.

How much is life insurance for overweight applicants?

Getting the best price for life insurance for overweight individuals can be confusing. There are lots of choices which can be good but that also can cause problems with making the right decision for what’s best for you.

Calculate your BMINHS Choices BMI Calculator

Here are a few examples to show you how the cost of life insurance can change slightly based on your weight:

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


Some examples of typical premiums for life insurance based on BMI:

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


NB. These examples are based on prices generated on 11.02.21 and do not include any other health, medical, or other factors so prices may vary.

Why is life insurance different if overweight?

Life insurance doesn’t change if you’re overweight, the cover itself is exactly the same as it is for everyone else essentially. The difference is when you disclose information such as a high BMI or being overweight that the questions may change for you specifically.

You’ll get the same level of life cover whether or not you have a high BMI and there should not be any exclusions on your policy, except for suicide in the first 12 or 24 months.

Life insurance for obese people

Obesity is a medical term and is usually defined by your BMI which according to NHS Choices – obesity, states that you would be classed as ‘obese’ if you have a BMI of over 30. You can still easily get life insurance if you are obese and it can be very affordable if you apply to the right companies.

As you can see from the examples above, there’s very little difference in cost between cover for a BMI of 30-35 and 35-40, so it’s pretty easy to get cover if you are obese.

Life insurance for morbidly obese

The term morbidly obese is a medical term that is defined as ‘being over 100lbs heavier than your ideal body weight or having a BMI of over 40. Also, you might be classed as morbidly obese if you have a BMI over 35 combined with another co-morbid condition’.

You can still get life insurance relatively easily if you have a BMI of up to 50, especially if you are over 40 years of age. BMI levels tend to increase the older you get.

Best life insurance companies if overweight

You might think that it is odd but there are life insurance companies that are better than others for someone that is overweight. You could save yourself a considerable amount every month by shopping around or just applying through a broker who has access to multiple insurers.

Here’s a quick example of how much extra you could pay if you apply to the wrong life insurance company:

Age30 years
Type of CoverFamily
Term of Policy (years)30 years
Sum Assured (£’s)£150,000
iam|INSURED monthly premium£10.03
Aviva monthly premium£13.62


NB. These examples are based on no other medical issues and were produced on 11.02.21 so prices may vary

Life insurance for overweight females

It is important to understand that life insurance premiums are no longer priced based on your sex so premiums are the same for males and females. This is because of the European Court of Justice (ECJ) gender directive 2012.

This law was passed in the European Courts and came into effect on 21st December 2012 which means that insurers are no longer able to price based on sex. This means that you will pay exactly the same price for life cover, car insurance, and health insurance regardless of your gender.

How to choose the right life cover if I’m overweight

Some of the main things to look at when you’re considering taking out a new life insurance policy to protect your family. If your BMI is raised or if you are overweight then there are a few other things to think about that might help you.

Your age will also influence your premiums. Older adults will be given higher tolerances because of how the body develops with age. However, this will differ depending on which insurance provider you apply to and can vary over time.

Your premiums for life insurance if you are overweight, will depend on:

  • Current health
  • BMI ratio, and age
  • The type of insurance product you’re looking for –(Income protection, critical illness cover, travel insurance)
  • The term of your policy
  • Do you smoke


Here are some things you should consider before applying for life insurance:

  • Mortgage amount (£’s)
  • Outstanding debt (e.g. Loans, second charge, credit cards, and others)
  • Dependents
  • Spouse or Partner
  • Income (after Tax)
  • Assets (e.g. car, house, business, etc.)

How can I get cheaper life insurance if I am overweight?

You can definitely do things to reduce the cost of life insurance if you are overweight and these things can be pretty simple. If you want to cut the cost of your life cover or it is unaffordable, then here are a few quick tips:

  • Reduce cover: you can simply take out less cover to make it more affordable
  • Reduce the policy term: taking a policy over a shorter period can cut the cost
  • Lower BMI: if you’re thinking about losing weight then you could qualify for a lower premium in the future
  • Quit smoking: if you smoke and you want to quit, after 12 months you’ll be classed as a non-smoker

Finding the best cover is important but it also needs to be affordable so it’s vital to make sure you will be able to keep it.

Can I get income protection if I am overweight?

When applying for income protection cover, similar underwriting guidelines to critical illness cover are followed by insurance providers. Depending on your current health and BMI score, your likelihood to obtain income protection cover can vary, along with the number of additional premiums added to your rate. If you have a high BMI and struggle to obtain income protection cover, contact our team today to run through alternative products. 01244 732 890.

Here are factors you should consider if you are eligible for income protection cover:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)Cost of living


Can I get critical illness cover if I am overweight?

You should have no problem getting a critical illness cover policy if you are overweight, as long as you are within a set level. Most insurers will offer this type of cover to people with a BMI of less than 40 with no issues.

If you’ve applied for critical illness cover in the past and had problems, then give us a call and we’ll see what we can do to help. Some insurers are better than others when it comes to BMI levels and that might be why you were declined previously.

Things you should consider when you apply for critical illness cover:

  • Income (after Tax)
  • Mortgage payments (annual)
  • Cost of living (annual)

Any other possible costs (e.g. medical treatment or adaptations) To discuss your premiums, contact our team today! Overweight life insurance amounts of cover.