Telephone Number
01275 404 268



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?

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.  The chart below shows the BMI ranges:

Underweight BMI

Normal BMI



Morbidly Obese

Under 17

18 – 25

25 – 30

30 – 40

Over 40

To find out your BMI, you can click on the following link

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.

Life Insurance for Morbidly Obese

Most mainstream insurers will provide cover for people with a BMI of up to 46-48. However, at Your Life Protected, we have special access to providers who will offer cover to people with a BMI of 50+. If your BMI is currently higher than this, we also work with insurers who offer Guaranteed Acceptance policies, so will be able to secure cover in most cases.

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

Let us do the hard work and find the best deals for you

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Need help?

Call our UK Team

Telephone Number
01275 404 268


  • Friendly, personal service
  • We can provide better rates than going direct to an Insurer
  • We are not a call centre – we are a small dedicated business with years of experience