Life Insurance for Overweight People

Finding life insurance for overweight people (or high BMI life insurance) is easier than most people think. Life insurance weight limits are often higher than what doctors would choose when labeling patients as overweight or obese. However, your weight can still increase your life insurance rates. Read more below about how to buy life insurance for overweight people.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • Finding life insurance for overweight people (or high BMI life insurance) is often simpler than you would think.
  • Insurance companies often have higher weight limits than doctors who consider patients overweight or obese.
  • You may have to pay higher premiums due to your weight and other factors, such as age, weight-related conditions, and family health history.

If you’re overweight, you may be a little concerned about your ability to find life insurance and looking to learn the difference between the types of term life insurance. The good news is that it’s generally pretty simple to buy life insurance for overweight people.

You just have to know how your weight can affect your rates and understand the weight standards imposed by life insurance companies. Below, we’ll cover some of your most frequently asked questions about finding life insurance while overweight.

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Can overweight people buy life insurance?

Yes, you can certainly buy life insurance for overweight people, but it may be a little more difficult than for those who are not overweight.

The key is understanding insurance companies’ requirements on height and weight. Some companies will have more lenient standards than other companies.

The good news is there are quite a few life insurance companies that will work with people who are overweight, and life insurance weight limits are often higher than what the CDC would consider overweight or obese.

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Can I be denied life insurance due to my weight?

In a few cases, you may be denied life insurance due to your weight. However, it takes more than people might think to not qualify for life insurance based solely on your weight.

According to various life insurance weight charts and life insurance BMI charts, a 5′ 9″ man would have to be 329 pounds, and a 5′ 4″ woman would have to be 283 pounds before they would start being denied by some companies.

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How does weight affect life insurance rates?

Each life insurance company has its own standards for height and weight that will affect rates and how much coverage you can get.

The company will put you in a class based on many different factors, including your weight. These classes are Preferred Plus, Preferred, Standard Plus, Standard, and Table Ratings. Many overweight individuals will still range in the Standard to Preferred classes.

Because overweight people tend to have shorter lifespans than people of average weight, life insurance companies will increase their rates with your weight.

Other factors that can affect your rates include family health history, the insurance company’s BMI or weight standards, policy type, age, and other pre-existing conditions.

How much does life insurance cost for overweight people?

To give you an idea of life insurance rates for overweight people, let’s look at the average annual rates of term life insurance policies for men and women of varying weights.

Sample Monthly Life Insurance Rates by Company, Product, and Age for Females
CompaniesProductAge 30 Average Monthly Rates (Female)Age 35 Average Monthly Rates (Female)Age 40 Average Monthly Rates (Female)Age 45 Average Monthly Rates (Female)Age 50 Average Monthly Rates (Female)Age 55 Average Monthly Rates (Female)Age 60 Average Monthly Rates (Female)Age 65 Average Monthly Rates (Female)Age 70 Average Monthly Rates (Female)Age 75 Average Monthly Rates (Female)Age 80 Average Monthly Rates (Female)
Accordia LifeTerm Life$15.58N/A$20.69N/A$40.03N/A$89.25N/AN/AN/AN/A
ANICOSignature Term$11.88$12.53$14.90$19.87$27.22$37.15$55.94$84.67$147.96N/AN/A
AssurityTerm Life$11.09$13.92$17.84$23.06$34.15$49.37$72.65$112.88$182.05$336.47N/A
Fidelity LifeTerm Life$16.10N/A$22.62N/A$45.68N/A$58.32N/AN/AN/AN/A
John HancockVitality Term$12.39$12.61$14.86$20.09$23.86$37.73$50.94$83.61$176.04$369.26$843.44
Liberty MutualTerm Accel$10.51$11.05$13.70$18.93$25.86$35.44$51.35N/AN/AN/AN/A
Lincoln NationalLifeElements$16.10$16.63$21.22$28.22$37.41$50.75$74.81$112.44$199.06$371.83$655.77
MassMutualVantage Term$11.98$12.63$15.23$21.98$29.15$40.25$58.73$92.45$151.38$318.85NA
Minnesota LifeAdvantage Elite$12.67$12.67$16.10$23.23$30.89NANANANANANA
Mutual of OmahaTerm Life Answers$11.61$12.90$16.56$20.21$27.31$38.27$57.19$98.47$169.42$365.50$704.13
Nassau LifeTerm Life$16.14NA$22.52NA$42.11NA$89.06NANANANA
North AmericanADDvantage$11.66$12.10$14.96$20.02$26.62$37.62$54.34$85.80$138.82$281.60NA
Pacific LifePromise Term$10.82$11.47$14.24$19.10$25.16$34.42$49.88$80.43$131.35$270.85$637.03
PrincipalTerm Insurance$11.27$11.33$14.39$19.43$25.94$35.48$51.41$79.28$128.06$272.34$655.16
ProtectiveClassic Choice$10.43$10.78$13.31$18.64$25.12$34.43$49.88$80.43$131.36$270.86NA
ProtectiveCustom Choice UL$10.79$11.01$13.59$19.62$26.29$35.77$52.26$82.27$134.16$284.43NA
PrudentialTerm Essentials$17.72$18.16$21.22$28.22$37.63$41.35$59.07$94.72$159.03$309.32NA
SagicorAccelerwriting Term$10.95$11.22$15.10$20.43$36.75$48.64$63.78$108.79$212.88$366.31NA
SBLILevel Term$10.38$10.65$13.08$18.85$26.72$36.34$53.85$90.13$161.65NANA
SymetraTerm 3.0$11.81$11.81$14.39$19.91$25.94$38.06$52.97$85.97$138.25$273.88$692.34
TransamericaTrendsetter Super$11.18$12.26$16.34$20.86$29.89$47.09$71.81$130.94$207.05$312.18$750.14
TransamericaTrendsetter LB$12.26$13.12$17.63$22.36$32.25$49.24$81.06$143.62$241.33$389.37$887.74
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As you can see, rates are going to increase with weight. They may still be higher if you have one of the conditions often linked to obesity, such as diabetes, high cholesterol, high blood pressure, or others.

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How can I lower my rates if I am overweight?

Be open and honest on your life insurance application. While your weight can increase your rates, life insurance companies may give credits for people who have a high BMI but low body fat percentage or who are consistent with a diet and exercise regime.

It is best to follow the advice from your doctor. If the life insurance company sees you are trying to take control of your health and manage your weight along with any possible weight-related conditions, you may be able to get lower rates than someone who isn’t managing their health.

Comparing life insurance quotes for overweight people is also essential to finding the best rates. Search through multiple companies to see how much they would charge before deciding on one.

What are the best types of life insurance for overweight people?

Some of your options for policy types include term life insurance, permanent life insurance, no medical exam life insurance, and guaranteed issue life insurance.

Term life insurance is a policy type that offers coverage for a set amount of time, usually between 10 and 30 years. It is often more affordable than other types of life insurance. It is helpful for people who want to make sure their families can keep their assets when they pass.

For example, if you have a few years left on your mortgage, you could purchase a 10-year term life insurance policy to make sure your family can pay for the mortgage after you pass and keep the house.

Permanent policies will last until you hit the maximum policy age (usually 121) as long as you pay your premiums. They can also accumulate cash value which you can borrow against while you are living. They may have investment options, but these may not be right for everyone.

A no medical exam life insurance policy can take many forms but will not require you to take a medical exam. However, you may have to pay higher premiums.

Guaranteed issue life insurance policies are typically a last resort. They usually do not require a medical exam, but you may pay higher premiums. They also offer very low coverage amounts, usually up to only $25,000.

Wrapping Up Life Insurance for Overweight People

Finding affordable life insurance for overweight people is possible. Often, insurance companies have higher weight limits than what doctors would say is overweight or obese.

However, your rates can still be higher due to your weight, along with other factors such as age, weight-related conditions, family health history, and more.

If you’d like help finding a life insurance company for overweight people, enter your ZIP code into our free quote comparison tool below.

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