Obesity and Term Life Insurance

Refer to our guide to learn more about obesity and term life insurance. Your build is a critical factor in underwriting a term life insurance application. Every life insurance company considers your height and weight when determining which rating class to place you in. Be sure to ask your agent how your build will affect your application. You can also input your build when you get free term life insurance quotes from our comparison tool below.

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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: Oct 28, 2020

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The Centers for Disease Control and Prevention (CDC) recently released the results of a government survey showing the states with the highest levels of obesity in the country. The South dominated the top ten, due mostly in part to diet habits that tend to include fatty and fried foods. Obesity is determined by an individual’s Body Mass Index (BMI).

Learn more about BMI.

Calculate your BMI.

Mississippi had the highest obesity rate once again this year, with 32 percent of residents falling into the obese category. Colorado had the lowest rate in the nation at 19 percent.

  1. Mississippi – 32%
  2. Alabama – 30.0%
  3. Tennessee – 30.1%
  4. Louisiana – 29.8%
  5. West Virginia – 29.5%
  6. Arkansas – 28.7%
  7. South Carolina – 28.4%
  8. Georgia – 28.2%
  9. Oklahoma – 28.1%
  10. Texas – 28.1%

Your build is a critical factor in the underwriting of a term life insurance application. Every life insurance company considers your height and weight when determining which rating class to place you in. Most companies will offer coverage to individuals with larger BMI’s; however, the premiums will be higher due to the increased risk is taken on by the company.

Be sure to ask your agent how your build will affect your application. You can also input your build when obtaining term life insurance quotes from our term life insurance quoting system. Be honest for the best results!

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