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Best High BMI Life Insurance Providers

Over the years we’ve helped thousands of customers with high BMI find the best possible life insurance policies to protect their loved ones. One of the main questions that we often get asked is “which UK life insurance provider is the best for high BMI life insurance?”.

The truth is there isn’t always going to be one ‘best’ provider as everyone’s situation is different, so sometimes the provider who suits one person might not be the best choice for someone else. However, there definitely are certain providers in the UK who are much better for providing fair pricing and great cover to people who have a high BMI.

On this page, we’ve ranked the UK’s top insurance providers based on the level of cover available for people with a high BMI. We know it can feel difficult and frustrating to find the right life cover if your BMI is higher than average, which is why we’ve done all the hard work and research for you.

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60-Second Summary – Best high BMI life insurance providers

The best way to find the right high BMI life insurance is to do some research, but we appreciate not everyone has the time for this. This is why we’ve taken the time to rank all of the main life insurance providers in the UK and what they have to offer for high BMI life insurance to make things easier for you.

  • We’ve ranked The Exeter as the best provider in the UK for high BMI life insurance. The Exeter is a specialist life insurance provider, who are proud to offer cover even when other insurers may decline (covering BMI up to 53 in some cases).
  • Other providers that can be a great option for life insurance for high BMI include Royal London, Guardian 1821, LV and Zurich. Which provider will work best for you will come down to your own situation, the type of policy you need and how much you want to spend.
  • While we’ve tried to provide as much useful information as possible in this guide, we know that it can be complicated to find the right life cover if you have a high BMI. If you need any more help and advice, you can speak to one of our friendly experts for free guidance and support.

YES – Having a high BMI shouldn’t stop you from getting the perfect life insurance to protect your home and family. Life insurance acts as a financial safety net which makes sure your family won’t struggle financially in the event of your death.

You might think that having a high BMI will make getting life insurance impossible, or that if it’s possible it will be overly expensive and difficult. This doesn’t have to be the case if you do your research and get some help and advice from a high BMI life insurance specialist.

A specialist advisor will be able to look at your BMI as well as your overall health and lifestyle to work out which insurance providers will be able to offer the best policies for you.

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YES – Adults who are classified as obese can still get life insurance as long as they speak to the right people. Your weight or Body Mass Index shouldn’t prevent you from getting the life insurance you need and it doesn’t have to. There are some great life insurance policies available to give your loved ones financial protection for years to come.

You can choose from:

Note: Any BMI over 30 in the UK is classed as ‘obese’, while BMI between 25 – 30 will be classed as being overweight.

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How to calculate your BMI (NHS)

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.

To calculate your BMI, you will normally need to divide your weight (in kilograms) by your height (in metres squared). If you don’t want the hassle of figuring this out yourself, you can ask your GP about your BMI or use a free online calculator.

One of the most popular options is the NHS BMI calculator which you can find here: NHS – BMI Healthy Weight Calculator

YES – There are several providers who tend to work better for people who have a higher BMI. This is simply because the way that life insurance policies are underwritten will vary from provider to provider.

Some insurance companies may view high BMI as a higher risk for claiming or developing health issues and so will limit the cover they can offer. Don’t worry though, there are some brilliant options for high BMI life insurance – and it may be far cheaper than you were expecting!

We’ve helped literally thousands of customers find the best possible life insurance with a high BMI. Through our years of expertise, we’ve managed to pinpoint exactly which providers work best for people who have a high BMI.

Here we’ve rated some of the UK’s top providers based on how good they are for high BMI life insurance.

Note: While we are discussing the highest BMI levels accepted by insurers, this doesn’t mean every applicant with the highest BMI will be accepted for cover. There will be other factors considered, such as your general health and lifestyle. If you also have medical conditions, it can be helpful to speak to a life insurance expert for more advice.

The Exeter logo

1) The Exeter

The Exeter score: 9.7/10

About The Exeter

You might not be familiar with The Exeter as they are a specialist life insurance provider. While they’re not a household name like Legal & General or Aviva, one of their main selling points is that they will often offer life insurance cover where other providers wouldn’t.

This includes some brilliant cover for people who have a higher BMI score. As of 2023, The Exeter is the only life insurance provider in the UK that will provide life cover to applicants with a BMI of 50 or higher (53 at maximum).

What is the BMI limit for The Exeter life insurance?

Highest BMI covered – 53 (age 45-59), 51 (under 44 years old), 41 (age 60 or older)

Lowest BMI covered – 17.5 (based on consideration of individual applications)

Royal London logo

2) Royal London

Royal London score: 9.4/10

About Royal London

Royal London is another brilliant specialist life insurance provider, who are well known for providing life insurance for people with medical conditions. Royal London may not be the biggest name in life insurance, but they have been growing in popularity in recent years.

Royal London has been selling life insurance in the UK for more than 150 years and are highly rated in the industry, having won Money Marketing Best Protection Provider 2022 along with a whole host of other awards.

What is the BMI limit for Royal London life insurance?

Highest BMI covered – 46 (provided there are no other medical conditions/complications)

Lowest BMI covered – 16

LV logo

3) LV (Liverpool Victoria)

LV score: 9.2/10

About LV

Most people in the UK will be familiar with LV (also known as Liverpool Victoria). their iconic green branding and TV advertisements have been around for years and they are an extremely popular choice for many types of insurance including life insurance.

LV are the mainstream provider that ranks highest on our list for high BMI life insurance applicants. They have a decent offering for high BMI life insurance, covering people with a BMI of up to 46 (this can vary depending on individual applications).

What is the BMI limit for LV life insurance?

Highest BMI covered – 46 (age 31 and over), 45 (30 years old or younger)

Lowest BMI covered – 17

AIG logo

4) AIG Life

AIG Life score: 9.0/10

About AIG Life

AIG (or American International Group) are a huge global insurance business with millions of customers in over 180 countries. They are well known for their high quality life insurance policies and often underwrite policies for other providers such as HSBC Life.

AIG Life currently will sell life insurance to applicants with a BMI of up to 46, though this could change following their sale to Aviva which was announced earlier this year.

What is the BMI limit for AIG life insurance?

Highest BMI covered – 46

Lowest BMI covered – 16

Guardian 1821 logo

5) Guardian 1821

Guardian 1821 score: 8.8/10

About Guardian 1821

Guardian 1821 is another name that you might not be immediately familiar with, as they are a newer provider but one with a lot to offer. They offer a good range of simple life insurance, critical illness and income protection policies.

Currently, Guardian will accept a BMI of up to 44 at most for life insurance applications. They are also an award winning provider having won the LifeSearch Leading Product Innovation Award for 2023 plus a range of other top industry awards.

What is the BMI limit for Guardian 1821 life insurance?

Highest BMI covered – 44

Lowest BMI covered – 16

Zurich logo

6) Zurich

Zurich score: 8.6/10

About Zurich Insurance

Zurich is one of the world’s best known insurance providers, having been operating since 1872. They have millions of happy customers across the UK, USA, China, South America and Australia,

Zurich ranks #4 on our list for high BMI life insurance providers, as they will cover a BMI of up to 44. They are also a top-quality, award-winning life insurance provider whose policies include a range of great benefits for their customers.

What is the BMI limit for Zurich life insurance?

Highest BMI covered – 44

Lowest BMI covered – 16

Scottish Widows logo

7) Scottish Widows

Scottish Widows score: 8.2/10

About Scottish Widows

Scottish Widows are well known for their iconic advertisement featuring their living logo the ‘Scottish Widow’. Many UK consumers choose to use Scottish Widows for pensions, investments and insurance products.

Like Zurich, Scottish Widows will also cover people with a BMI of up to 44 (though of course this can vary based on individual applicants). They are a trusted name in UK life insurance with almost 6 million customers across the country.

What is the BMI limit for Scottish Widows life insurance?

Highest BMI covered – 44

Lowest BMI covered – 16

Aviva logo

8) Aviva

Aviva score: 8.0/10

About Aviva

Aviva is a household name in the UK, selling a wide range of products including investments pensions and insurance. They are consistently named one of the top 3 insurance providers in the country, with a history dating back all the way to 1696.

If you look on the Internet, you will see many people asking about Aviva’s BMI limits for life insurance due to how popular this insurer is. While Aviva doesn’t rank at the top of this list, they will cover BMI’s up to 40 (depending on individual applications).

What is the BMI limit for Aviva life insurance?

Highest BMI covered – 40

Lowest BMI covered – 18

Vitality logo

9) Vitality

Vitality score: 7.7/10

About Vitality

Vitality is one of the UK’s most innovative insurance providers he prioritised health and well-being within their products. they have one of the most comprehensive reward schemes we’ve ever seen from an insurer, giving out discounted smartwatches free cinema tickets and even holiday discounts to customers who have a healthy and active lifestyle.

As far as high BMI life insurance goes, Vitality will ensure applicants with a BMI of up to 39, which is why they don’t place higher on this list. This level is still higher than you might expect though, and vitality may be a good choice for certain applicants.

What is the BMI limit for Vitality life insurance?

Highest BMI covered – 39

Lowest BMI covered – 16

Legal & General logo

10) Legal & General

Legal & General score: 7.0/10

About Legal & General

Legal & General is one of the biggest and best known general insurance providers in the UK. They have millions of customers across home insurance, car insurance, and of course life insurance products.

Legal & General provide great quality life insurance policies but aren’t always the best option for someone with a high BMI. They are however one of the best options for people with a low BMI, as they will insure people with a BMI of 15.

What is the BMI limit for Legal & General life insurance?

Highest BMI covered – Limits vary by applicant (won’t accept a BMI of 40 or higher)

Lowest BMI covered – 15

Will life insurance cost more with high BMI?

Sometimes life insurance will cost more for someone with high BMI, as there can be extra risks associated with this such as a higher risk of high blood pressure or diabetes. BMI won’t be the main thing taken into account though when you apply for life insurance, as providers will look at several factors including:

  • Your age
  • Your occupation
  • The type of cover that you need
  • How much cover you need (£s)
  • How long you want to be covered for (policy term)

Price shouldn’t be the only factor considered when choosing your life insurance provider, but of course no one wants to pay more than they need to. The easiest way to avoid ending up with an overly expensive policy is by getting advice from a life insurance expert.

Should I lose weight before getting life insurance?

An easy way to save money on your life insurance is by losing weight and this applies even if your BMI is not extremely high. If you can show ensures that you’re working towards a healthier lifestyle, the insurer may consider this when deciding on the price of your policy.

Even a small amount of weight loss can make a significant difference to the price you will pay. Other simple changes that you can make to reduce the cost of your cover include quitting smoking and exercising more.

How do I buy high BMI life insurance?

The best way to find the best life insurance for high BMI is to compare quotes from different insurance to see who is offering the best terms and prices for the cover you need.

It can often be simpler to speak to a life insurance specialist if you have a high BMI, as they will know which provider is right for the type of cover you need and who is most likely to offer a fair price.

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Is it worth paying for life insurance?

Yes, if you’ve got children or financial dependents then you should have life insurance to protect them if you die. Martin Lewis and the Financial Conduct Authority recommend that you take out life insurance to protect your family and your home. Generally, life insurance premiums start from as little as £5 per month and will be cheaper for younger adults.

Common myths about life insurance:

  • Life insurance won’t pay out (pays out 98% of claims)
  • People with medical conditions can’t have life insurance
  • Life insurance is expensive
  • Savings can be just as effective as life insurance
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What is the average cost of life insurance per month?

Based on recent research carried out, the average cost of life insurance is approximately £38 per month and the average level of cover is £152,000. Life insurance premiums also vary dramatically from one insurance provider to another and you can reduce your monthly premiums by shopping around.

Fundamentally, life insurance premiums vary depending on your age, health and the amount of cover that you need, starting from as little as £5 per month. You can also get life insurance to protect your family and your home against financial loss if you die.

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What does life insurance cover you for?

Life insurance is a monthly renewable ‘term insurance’ contract that pays out a cash lump sum or regular payments on death to your family or beneficiaries. Policies are most commonly used for family protection or mortgage protection for your loved ones if you die and your household income reduces, plus the additional issues of losing a parent or carer.

Traditional life insurance will not exclude any pre-existing medical conditions and will cover suicide after 12 or 24 months. You can also use life insurance for business protection purposes as well as tax-efficient business life insurance for directors or key people.

What are the disadvantages of life insurance?

The biggest and most common problem that consumers have with life insurance is the cost and the monthly premiums. This is the top reason for policy cancellations and why more people don’t take out life insurance to protect their family.

Another key disadvantage with life insurance is that it holds no investment value, nor can you cash it in. Life insurance works like any other traditional general insurance policy (e.g. car insurance, house insurance, pet insurance etc.), you pay a monthly premium and it will pay out in the event of a claim. Some people decide to use savings instead of taking out life insurance but you need to make sure that you have sufficient savings to cover the costs of death for your family.

Why do I need life insurance?

The fact is that nobody actually ‘needs’ life insurance, but it is strongly recommended that families and couples have cover to protect their loved ones in the event of death. Martin Lewis recommends life insurance and says “this is something that every parent, partner, or person with any other type of dependent needs to consider”.

Life insurance financially protects your loved ones if you die and pays out a cash lump sum to repay your mortgage, pay for school fees, replace lost income, and pay for regular outgoings. Mortgage life insurance is not linked to your mortgage debt so you can use it to pay off some or all of your mortgage.

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At iaminsured.co.uk, we believe in much more than just insurance policies; we believe that everyone is unique and should be treated with the fairness that they deserve. We also believe in providing the very best financial protection, and giving you peace of mind to continue with your busy life without the stress or worry of what might happen.

We are dedicated to providing the best outcomes that we can and access to the best insurance solutions in the way that our customers want or need. We understand that everyone is totally unique in how they want things done and their own individual circumstances, which is where our totally unique approach to financial protection is driven from.

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With nearly three decades of expertise and established with a commitment to excellence in everything that we do. We have been a trusted partner for thousands of families, individuals and businesses, all with one common goal of looking for the best protection solutions.

Our Mission: To provide easy access to fair pricing, affordable protection and the very best financial security to families and individuals. We are dedicated to offering comprehensive insurance solutions that safeguard the well-being of our policyholders. Guided by integrity, transparency, and a commitment to excellence, we strive to empower consumers and families to face the future with confidence. Our mission is not just about policies; it's about protecting dreams, ensuring legacies, and being a trusted partner on life's journey.

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