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Life Insurance

Life Insurance for people with high BMI is possible with many insurers, all of which have different underwriting guidelines. We have placed many people's applications to insurers who have a high BMI due to a number of factors such as body building, thyroid complications and dietary choices. You may find that the insurance application asks you to detail your dress size or your waist circumference. This is done so that the insurer can determine how much weight you carry around your middle, which is a prime area for additional health concerns such as type 2 diabetes.

Some insurers place premium increases on BMI scores that are 30 or above, but there are some who will consider standard terms up to the BMI of 36. It is important to use a broker such as ourselves who will know which insurer will view your application most favourably. Life Insurance for overweight or obese individuals can be accepted up to a score of 50, but you will generally find that your policy premiums start to be loaded incrementally once you are above a score of 36. If your BMI is over 50 there are some specialist providers we can approach for your life insurance.

Get a Life Insurance Quote

Critical Illness Cover

When you apply for Critical Illness Cover, high BMI will generally be accepted up to a score of 45 with specific insurers. You will tend to find that as your age increases a higher BMI is considered more acceptable for standard or lower premium ratings, but this is often capped at the score of 36. For high BMIs you can expect that your policy premiums will be loaded for the insurer to accept your application. The reasons that your policy premiums are loaded in this manner is due to perceived risk of carrying extra weight. This can place you at a higher risk of developing one of the Critical Illnesses listed on the policy, so the increased premium is seen to offset the added risk of you claiming on the policy.

Income Protection

Income Protection for people with high BMI scores is underwritten slightly more strictly than Life Insurance and Critical Illness Cover. This is because it is perceived that your excess weight can place extra strain on the rest of your body, leading to other conditions that could result in a claim e.g. heart attacks, certain cancers, strokes and gastric surgery. When you apply for Income Protection, overweight or obese individuals will likely see their policy premiums increase due to their BMI. In general it is possible to get an Income Protection policy when you have a BMI up to 40, however this is dependent upon your overall health and age.

Get an Income Protection Quote

If Income Protection is not available there are a number of accident and sickness plans available that can generally offer cover for a low premium. This could be a viable option but it is important to understand any small print on the plans. Please feel free to contact us for a quotation.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who have a high BMI include:

  • Mobility issues
  • Low self-esteem
  • Gastric bypass surgery
  • Gallstones

Medications and Treatments

  • Celevac tablets (Methylcelulose)
  • Exercise
  • Xenical (Orlistat)

Client Reviews

The Special Risks Bureau has been rated 5.0 out of 5 based on 124 reviews.

Review by on

I was given a really good service, I honestly thought I would not get insured for my mortgage due to my health conditions. everyone I spoke to were really nice and kept me up to date it was nice to know I was dealing with real people. Would highly recommend A+++ - 5 Stars

You can read more of our reviews here.

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Your BMI (Body Mass Index) is determined by your height to weight ratio which ranges from being underweight to being overweight. The lower your height/weight ratio is the lower your BMI will be, the higher your ratio the higher your BMI will be. Standard guidelines recommend people aim to have a BMI between 18.5 an 24.9.

BMI scores are a useful factor for many who are attempting to monitor how healthy their weight is. However the score can be somewhat misleading as it cannot account for an individual having a higher BMI due to their exercise regime and muscle mass, nor can it determine if someone in an ideal weight class eats very unhealthily.

Calculate your BMI

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research