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Life Insurance for Overweight Individuals

Life insurance for overweight individuals is easy to qualify for and it's affordable. After achieving a healthy lifestyle, you can find rates as low as $22.00/mo from the top companies.

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Ron Attias, a licensed insurance broker. He had no particular loyalty to any one insurance company, so he was able to shop all major insurance carriers. This means that you always get the BEST plan at the LOWEST price. Each plan can be customized to fit your specific healthcare...

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UPDATED: Jul 9, 2020

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Life insurance for overweight individuals isn’t as hard to find for as you think, provided that being overweight is your only health issue. However, being overweight in combination with other health conditions can make it hard to find affordable term life insurance or permanent whole life insurance options.

This article will not only provide you with real sample term life insurance rates by age to compare, but we’ll give you the insider tips on how to get qualify for those rates.

You can learn more about how to find life insurance for overweight individuals by using our free quote tool now to get a custom rate and compare with the data and rates we provide you in this article.

How Can You Be Denied Life Insurance Due to Weight

In most cases, insurance companies won’t deny insurance outright unless a person is overweight and has other health issues or family history concerns.

According to the CDC, obesity-related conditions such as heart disease, stroke, type 2 diabetes, and certain types of cancer, are some of the leading causes of preventable death.

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How does BMI affect life insurance? The chart below provides life insurance weight limits by height for each life insurance risk class.

life insurance height and weight chart

These charts are often different from one company to another. For instance, State Farm life insurance life calculates its own life insurance underwriting risks in a different way than other insurers. If you are overweight, it is crucial to know which company will give you the best rate based on your height-to-weight ratio.

The table below provides you the average rates we found offered for a 20-year term, $500,000 policy.

Average Monthly Life Insurance Rates for Overweight Males & Females by Weight
WeightAverage 20-Year / $500,000 Term Policy Monthly Rate for 5'9'' MaleWeightAverage 20-Year / $500,000 Term Policy Monthly Rate for 5'4'' Female
196 lbs.$26.00166 lbs.$22.00
206 lbs.$31.00176 lbs.$26.00
216 lbs.$34.00186 lbs.$31.00
226 lbs.$42.00196 lbs.$39.00
236 lbs.$49.00206 lbs.$48.00
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Banner life insurance offers preferred rates to individuals who are 6’0” up to 207 lbs. AIG life insurance offers great rates up to 217 lbs, and Prudential life insurance will go up to 228 lbs for the best rate.

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Should I lose weight before applying for life insurance?

Any rapid weight loss can be a sign of another ailment, such as bulimia or depression. Even if you lose it in a healthy way such as by changing your nutrition and exercise habits, a rapid weight loss within a year will result in adding at least 50% of the weight back in the application.

Does weight affect health insurance too? The answer is yes. According to the NCBI, obese individuals can pay as much as $732 more in annual health insurance costs. Today, health insurance for overweight applicants often offer weight loss programs or weight management incentives.

However, a recent study at UPenn found premium based financial incentives do not motivate people to lose weight.

What will the underwriter ask?

Here are some examples of what the underwriter will ask you:

  • How old are you?
  • Do you smoke?
  • What is your weight/height?

Even for no exam life insurance, you will need to provide written answers to these questions.

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Life Insurance for Overweight Individuals: The Bottom Line

Hopefully, we’ve provided you the information on how to shop around to still get preferred rates even you are a few pounds overweight or more. We hope that we’ve also made the case that it doesn’t help to wait until you work off those pounds before you secure life insurance.

So get started with your journey to find affordable life insurance for overweight individuals quickly and easily by using our free quote tool now to find a quality custom rate in seconds.

References:

  1. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4224588/
  2. https://www.pennmedicine.org/news/news-releases/2016/january/premiumbased-financial-incenti

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