Can Overweight Individuals Get Life Insurance?
Yes.
Being overweight does not automatically prevent approval. Many individuals with elevated BMI levels qualify for life insurance coverage every day.
What Underwriters Review
Insurance companies consider:
- Height and weight
- Blood pressure
- Cholesterol
- Diabetes history
- Overall health
Why Weight Matters
Excess weight may increase the risk of:
- Heart disease
- High blood pressure
- Diabetes
Insurance companies evaluate these risks during underwriting.
Not All Carriers Are the Same
One carrier may offer significantly better underwriting than another for the same applicant.
Improving Approval Opportunities
- Maintain healthy blood pressure
- Manage diabetes effectively
- Exercise regularly
- Follow physician recommendations
Frequently Asked Questions
Can obese applicants qualify?
Yes.
Will my weight increase rates?
Possibly, depending upon overall health and BMI.
Are no-exam options available?
Many applicants qualify for accelerated underwriting.
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