About iam|INSURED and why we’re different

We're experts in life insurance and health insurance, especially for people with medical conditions, dangerous jobs and hazardous activities. We've helped thousands of families to get the best protection over the past 20 years and make sure that they pay a 'fair price'. Everyone is different and their financial needs are unique to them... which is why we treat everyone as individuals and do our best t help. We're also rated 4.9 out of 5.0 by our customers

Overweight Life Insurance

If your BMI (body mass index) is above average and you need life cover, then this is our guide to how it works and how to get cheaper premiums. You’ll simply need to know your height and your weight to be able to get an accurate quote for life insurance.

Many people who are classed as overweight or obese are put off taking life insurance because it can be awkward or seem pointless. The fact is that getting life cover with a high BMI is usually pretty simple and shouldn’t be difficult at all.

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

Rated ‘EXCELLENT’ by our customers on FEEFO

Facts about overweight life insurance

Are you classed as overweight or clinically 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.

What is classed as overweight or high BMI for life insurance?

Most life insurance companies use a similar BMI scale when they review an application. The main difference is that some will have slightly higher tolerance levels than others when it comes to offering cover.

The most common BMI scale that is used in life insurance is the normal UK version which can be found on the NHS website (NHS BMI scale). However, some insurers have chosen to use the American BMI scale which has slightly higher levels than our own version.

Your BMI will change as you get older so the levels that are acceptable are different for a young adult to an older adult. These levels are also constantly being reviewed through changes in lifestyle and medical treatment develops.

More about BMI (body mass index)

How much does life insurance cost for someone that is overweight?

When you apply for life insurance with a high BMI, several things will influence the cost of your cover. One key element is your BMI which is your height and weight ratio. Most insurance providers will allow a BMI score of around 33-36 as normal, however, some higher levels can be slightly different.

Your age will also influence your premiums. Older adults will be given higher tolerances because of how the body develops. 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 other)
  • Dependents
  • Spouse or Partner
  • Income (after Tax)
  • Assets (e.g. car, house, business, etc.)

Which life insurance companies are best for people that are overweight?

You will definitely find that there is a difference in the cost of life cover from one insurer to another. This is especially true for people who are overweight or obese, and with other pre-existing medical conditions.

The cost of your cover can be much lower simply by applying to the right insurance company. This sounds simple, but there are a lot of different companies, and these prices change over time.

It’s best to speak to a company that knows about these things and can point you in the direction of the right life insurance provider. You might also find that some American based insurance providers will offer higher tolerance levels than the UK or European based companies.

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.


Exclusions for overweight life insurance, critical illness cover, income protection or travel insurance

Along with the increase of premiums, when applying for overweight life insurance, critical illness cover, income protection, or travel insurance you may experience ‘exclusions’. Exclusions are conditions that may be linked/caused by having a higher BMI score. These conditions may be excluded from your policy, depending on your case.

To discuss exclusions further or to kickstart your application for overweight life insurance, critical illness cover, income protection or travel insurance, contact our team.

How much cover will I need?

When considering the amount of overweight life insurance cover you will need, there are a few factors that can guide you. These factors include your current health, along with any obesity-related health conditions. Along with your health and budget, there are additional ways to gauge how much overweight life insurance, critical illness cover, income protection or travel insurance you may need.