Obesity Life Insurance

Classed as ‘Overweight or Obese’ and looking for Life Insurance?

Your Life Protected specialise in securing affordable Life Insurance for people who have a high BMI and are classed overweight or obese. We have a huge amount of knowledge and experience in this area meaning we can quickly identify the most appropriate cover for your needs. Our long-term relationships with the UK’s top insurers means we know who is likely to be most understanding with your individual circumstances saving you a great deal time, energy and money.

Most Life Insurance providers in the UK have different underwriting rules when it comes to BMI; some will be much more lenient than others, and some will have additional requirements (e.g. medicals & Dr’s reports). We will take time to talk through your situation, assess your needs and make recommendations on the best available policies.

How does Obesity or having a high BMI Impact Life Insurance Costs?
Life Insurance providers increase premiums because of the possible associated risks and complications related to being Obese or Overweight. These may include Type 2 Diabetes, Heart Disease, Strokes, and Depression, among others.

The actual your premium increases will depend on your BMI, lifestyle factors and medical history.

Today, the process of determining whether someone is Overweight is by calculating Body Mass Index (BMI). This is done by dividing your weight by your height.

BMI ranges are defined as follows:

  • Underweight = below 17
  • Normal = 18 – 25
  • Overweight = 25 – 30
  • Obese = 30 – 40
  • Morbidly Obese = over 40

If you’re unsure of your BMI, you can use our BMI Calculator below.

Calculate your BMI

Height ()

Weight ()

Your BMI is:

  • If your BMI is less than 18.5, it falls within the underweight range
  • If your BMI is 18.5 to 24.9, it falls within the normal or Healthy Weight range
  • If your BMI is 25.0 to 29.9, it falls within the overweight range
  • If your BMI is 30.0 or higher, it falls within the obese range

Life Insurance for Higher BMI Cases
BMI limits vary hugely from insurer to insurer in the UK, so knowing where to look is key!

Here at Your Life Protected, we have access to underwriters who can offer cover to people with a high BMI. If you have been refused cover elsewhere, get in touch with our specialist team who can give you information about the options that are available to you.

As a small company, we pride ourselves on offering a truly personalised service. We take the time to really get to know you and your unique situation, which allows us to find the most appropriate cover for your needs at the best possible price.

Get a Quote for Obesity Life Insurance

If you have found that your premiums have been increased or you have been declined cover due to being Overweight or Obese, we may be able to help. At Your Life Protected we understand the underwriting procedures related to Obesity life insurance, which allows us to quickly identify which insurance company is best for you, taking into account your unique case.

Please give us a call on 01275 404268 or Get a Quote. We will be very happy to spend time talking to you to understand as much as we can about your individual circumstances before finding the most appropriate cover for your needs.

Get a quote

Call us now to get a quote

01275 404 268

We are available from 9:00am to 5:30pm Monday to Friday

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We work with the best

We work with the UK's leading & specialist Life Insurance providers.

  • AIG
  • Aviva
  • Legal & General
  • Liverpool Victoria
  • Royal London
  • Scottish Widows
  • The Exeter
  • Vitality
  • Zurich
  • Guardian
  • Shepherds Friendly
  • HSBC Life

All conditions we cover:

If you are looking for Life Insurance and you have a medical condition, we can help. Talk to our Life Insurance experts today.