Obesity Life Insurance
If you are Overweight or Obese, we know you may struggle to find affordable life insurance.
Insurers will increase premiums if you are significantly Overweight, but each company will have their own rules and approach to calculating your quote. This may make it very difficult for you to navigate the insurance marketplace to find appropriate cover at reasonable rates.
At Your Life Protected, we specialise in securing affordable Life Insurance for people with medical conditions, including Obesity. We have a huge amount of knowledge and experience in this area meaning we can quickly find you 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 of your individual circumstances and are able to save you time, energy and money.
How does Obesity Impact Life Insurance Costs?
There are many associated risks and medical complications related to being Obese or Overweight that include Type 2 Diabetes, Heart Disease and Depression, among others. It is because of these risks that Life Insurance companies apply increased levels of premium to applicants who are considered Obese. The actual increase you see will depend on your BMI, lifestyle factors and medical history.
Today, the process of determining whether someone is Overweight is by calculating their Body Mass Index (BMI). This is done by dividing your weight by your height.
BMI ranges are as follows:
- Underweight = below 17
- Normal = 18 – 25
- Overweight = 25 – 30
- Obese = 30 – 40
- Morbidly Obese = over 40
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.
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.