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Can You Buy Life Insurance if You’re Overweight?

Weight problems exist for many not just in the UK but everywhere. If you’re overweight or obese this does not mean that you are automatically disqualified from buying life insurance.

According to some health surveys in the UK, over 60% of adults are either obese or overweight. However, women are more likely to have slightly higher obesity rates than men according to current statistics.

If you’re considering getting life insurance, or if your application keeps getting declined, you’ve landed in the right place. Getting coverage can sometimes be tricky if you’re overweight. But luckily, here, you’ll learn more about related topics and tips to help guide you to secure the most affordable life insurance policy premiums.

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Assess Your Height to Weight Ratio

One of the data points that’ll be examined by life insurance companies (during your premium assessment) will be your height to weight ratio. Most insurers also like to know how much risk they will be undertaking to insure you. Hence, they will review your medical history, so you may need to take a medical exam as part of the application and underwriting procedure.

Every insurance company has its own height-to-weight ratio chart that they use to determine your premium rate. Some providers will even reject your application if your BMI exceeds their own body mass index (BMI) limits.

Fortunately, because no two insurance providers have the exact same height to weight chart, you may be able to get cheaper quotes and rates from any of them, and a life insurance broker can help you to achieve this.

Overall, it’s worth noting that if you’re overweight, your premiums will be a little more costly because insurers believe that you could have higher health risks compared to someone who has a healthier weight and BMI.

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More on How Insurance Providers Set Premiums

Insurance companies in the UK have standards that determine how they set premiums for life insurance. Some of the general factors they are likely to consider are health history, age of the individual, height to weight ratio, and then the applicant’s lifestyle.

To decide on how much an overweight individual should pay for a life insurance policy, life insurers will first calculate the person’s Body Mass Index (BMI) – as mentioned previously. They do this by finding out the normal weight an individual of the same height is expected to have compared to the overweight applicant. The results will then determine how high the premium of the overweight individual will be.

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Ideally, adults who have a body mass index (BMI) of 30 and above are considered obese, and those with a BMI between 25 and 29.9 are classed as overweight. A healthy BMI is within 18.5 & 24.9, and you can calculate your own BMI by visiting the NHS BMI calculator or other relevant BMI calculators.

The downside to BMI is that when these calculations are used on a person who has high muscle mass – a bodybuilder for example – they could be regarded as overweight, even when they are very healthy.

But, if you are overweight, you can still get cheaper and more affordable life insurance. To do so, here are some of the things you can do which will have a good chance of lowering your monthly payments:

Stop Smoking

Smoking, especially tobacco and cigarettes, is highly addictive and not so easy to quit, but it’ll do you a lot of good if you stop.

Keep in mind that if you quit smoking for the first 12 months, your insurer could classify you as a non-smoker and grant you cheaper premiums.

reduce Insurance Cover

Here, you might want to consider pulling out some life insurance cover for more essential coverage, like your funeral costs or unpaid mortgage bills. That way, you can rest assured that you won’t be leaving behind enormous bills for your loved ones to pay off.

Decrease BMI

If you invest the time, discipline, and effort into losing weight, you will stand a great chance of lowering your BMI and life insurance costs as well as enhancing and prolonging life. Remember, that’s because the higher your BMI, the more expensive your premium rate could probably be.

We’re not saying that the journey to shedding off some weight would be easy, but we know it’s one way to get cheaper life insurance.

Lower the Policy Term

Keep in mind that this would work best if you have paid off your mortgage bills, raised your children to the stage where they are no longer dependent on you, and you’re advanced in age. If this best describes you, you can take out a policy over a shorter period to get a cheaper premium.

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What Does ‘Loading’ Mean?

The term loading is a reflection of the additional risk that an insurance company estimates they’ll be undertaking on an overweight applicant (as opposed to an applicant that has a normal BMI & no medical complications).

You could be asked to participate in a brief medical assessment test (paid for by the insurer), or your insurer may need to write to your GP to obtain a medical report. After carrying out assessments, the insurer will then complete their underwriting process and add the loading rates to their final offer.

For instance, when an applicant’s BMI is 31, an insurance company could add ‘Loading’ of 50%. This implies that if the individual gets life insurance quoted at £30, it will result in £45 a month (underwritten).

Also, it is useful to bear in mind that as your BMI increases, so will your loading, which means that a monthly premium that ideally should cost £30 could amount to £70 per month.

So to summarise, there is a chance that some insurance companies will reject a life insurance application if the BMI is over 40.

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Now that you can begin to understand the process of securing life insurance if you are overweight or obese, it is useful to know that if you add critical illness insurance to your application, the guidelines are going to be stricter. However, you will still be in a position to acquire a life insurance policy.

You can discuss your intentions with a life insurance broker who will guide you towards accessing the best policy to suit your own personal circumstances.

If you are looking to apply for life insurance you can start the quote process by clicking here. Prime will source the best deals in the UK for no fee – telephone 01942 665 436:


You can apply for life insurance if you are overweight. We will find you the best possible quotes and options in the UK. With a wealth of experience we understand your needs. Finding the right life insurance if you have weight problems doesn’t have to be a painful process, not when Prime is right here for you.

When you choose Prime, you’re choosing a proven UK broker with the highest standards, and Prime works hard on your behalf to get you great choices, so you don’t have to navigate the landscape of life insurance. Prime can do all the searching for you and provide unique solutions to match your needs.

At Prime we have an exceptional FCA approved team of life insurance & mortgage specialists who work for you from start to finish with no stone left unturned. Life insurance quotes and mortgage quotes are free and so is our advice. We provide excellent one to one services, and we make your time with us hassle free – we do all of the heavy lifting so you don’t have to.

Prime is proud of the reputation built over many years, and this is largely reflected through the positive reviews we receive on a regular basis from customers in Wigan, Greater Manchester and across UK, in person, on Trust Pilot and Google online.

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Do you have any questions around life insurance if you’re overweight? Our friendly, dedicated team of FCA approved experts will answer any and all of your questions – just let us know.

We understand that this might not be an easy process for you to go through and we’d love to help. Furthermore, if we can help you with any of our other services just let us know. You can find out more about us and what we do here and if you need help with anything else, we have professionals is at the end of the phone – we will help you. Click here to Get a Life Insurance Quote or use our quick contact form to get in touch. Our friendly dedicated team is available by telephone 01942 665 436 during office hours.



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