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Best High BMI Life Insurance For Overweight People In 2023

high bmi life insurance

The average individual has a Body Mass Index (BMI) of 23. BMI is the measure of the ratio between height and weight.

Even individuals with a BMI of up to 55 should be able to find suitable, affordable overweight life insurance without jumping through too many hoops.

Our company specialises in finding individuals who are considered to be overweight the high BMI life insurance policy they need and want.

We can also help with other insurance needs, such as income protection and critical illness insurance.

High BMI? Compare The Top UK Insurers · No Obligation · Free Quote Below

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Our company is highly aware of how insurance companies will view applicants having a high BMI

We know which insurers will consider the application after years of experience and working with different agencies. Overweight or obese people often have a tougher time getting affordable life insurance premiums due to their medical condition.

Most importantly, our insurance team will do all the work regarding interfacing with the insurance provider, making the life insurance process simple and much less stressful for the individual applying for the life insurance policy.

While there is never a guarantee that our team will be able to get individuals the life insurance they want with a high BMI, they can rest assured that our team will explore every possible avenue to secure a policy that fits their needs and budget.

We also promise to give clients an honest assessment as to whether or not their application will be appealing to life insurance providers and provide some indication of what the monthly premiums will be given due to their high BMI status.

Much like the providers themselves, we base our assessments on your body weight ratio and your family medical history, pre-existing medical conditions, and other factors affecting your life insurance premium on obesity life insurance.

Whenever there is a choice between insurance agencies, our team will help the client to choose the overweight life insurance insurer best suited to meet their needs and willing to offer them coverage at the lowest rate.

We will handle all the paperwork, keeping the client updated throughout the process so they know their case is well managed.

We have a team of specialists working to find life insurance policy options and providers for overweight individuals.

Although we are working hard to find this information, our team is always available to discuss individuals’ specific life insurance needs and any concerns they may have about purchasing a life insurance policy.

Refused Life Insurance Due To High BMI? Rest Assured. You’re In Good Hands Get A Fast, Free Quote Today

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  • Our price match promise means we will find you the right cover for your personal circumstances at the lowest price possible. Terms & Conditions and Privacy Policy

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Our company is based in the UK, so individuals will not have to deal with foreign representatives or call centres.

High BMI Support

In addition to helping our clients find a life insurance provider willing to accept their application, even the morbidly obese, we also pride ourselves on being able to help individuals as much as possible when dealing with their pre-existing conditions.

Below are links to different resources we have worked with before, such as support groups and other useful information for those clients with a high BMI:

What is High BMI (Body Mass Index)?

For those faced with a high BMI, they are carrying too much body fat in conjunction with their height. BMI, or Body Mass Index, measures an individual’s weight against their height. Many individuals become overweight when they eat more calories during the day than their bodies can burn off.

For residents of the United Kingdom, a BMI of between 25 and 30 is considered overweight, those with a BMI of above 30 are categorised as obese, and 40 and above are considered morbidly obese.

We can usually secure life insurance for individuals who are considered obese and have a BMI of between 30 and 55 and sometimes even higher.

It is estimated that over half of all the adults in the United Kingdom have a higher BMI than medical professionals recommend – approximately two out of five adults are considered overweight. One out of five is considered obese. The number of obese individuals in the UK is rising, particularly among younger adults.

The number of obese adults in the United Kingdom has almost tripled since 1980 and is considered an “obesity epidemic.” However, it is important to remember that there will always be a range of body weights and BMIs considered healthy depending on the individual’s age, sex, and height.

A combination of different factors helps to determine our BMI or weight, and it is challenging to set a specific ideal weight that can be applied to all individuals…

With this in mind, it is still important to strive to be within the recommended range of a healthy BMI number and a healthy weight based on the individual’s sex and age.

Many individuals have a distorted perception of what healthy weight is – partly due to the images of celebrities and media surrounding body image.

For those individuals whose BMI indicates that they are overweight, some simple changes to their everyday lifestyle can help to make vast improvements.

For those with a high BMI, it will become vital to think about how they can change their diet and exercise plan over a more extended period.

Losing weight to reduce your Body Mass Index should not be viewed as a quick fix but as a change to your overall lifestyle.

When people participate in crash diets or unhealthy dieting, they can gain back the weight they have lost and more if they do not make permanent changes to their lifestyle.

Given their circumstances, individuals with a BMI higher than recommended are at a higher risk for some health complications, including high blood pressure, heart disease, diabetes, and cancers like prostate, colon, and breast cancer.

These individuals are also more likely to have problems with their joints and back and may even find that they become winded easily and have problems sleeping. The higher the individual’s BMI, the more these problems affect them.

For those with a high BMI and who are overweight, many health benefits are experienced by losing weight, even just the first 5 to 10 percent of their weight.

For those individuals who are categorised as obese, some of the health improvements they can see by reducing their body weight by just 10 percent include:

  • Less likely to develop health conditions such as diabetes and cardiovascular disease
  • Conditions such as osteoarthritis, diabetes, and high blood pressure will likely improve
  • The chance of passing away at any age is reduced by 20 percent

Reducing BMI and losing weight will depend on the balance between the number of calories consumed daily and the number of calories burned through exercise and being active.

When people consume more calories than they burn through activity, they will gain weight, and their Body Mass Index will increase – when they burn more calories than they consume, they will lose weight, and their Body Mass Index will decrease.

When individuals reduce their daily calorie intake by 500, they can lose up to one full pound a week. For those trying to decrease their BMI through weight loss, it is essential to set realistic goals.

For individuals to not only lose the weight and keep it off, they will also need to make permanent changes to how they view food and the amount of physical activity they do every day.

In some cases, keeping a diary of everything being eaten daily can help people see how many calories they bring in and when they may need to increase their calorie burn through exercise.

Information on Life Insurance for those with High BMI

A life insurance policy is designed to give beneficiaries a lump sum when the policyholder passes away. Most individuals understand that their family and loved ones may need financial support to cover costs and continue paying living expenses when they pass away.

A life insurance policy is an important product to help ensure the policyholder and their loved ones that financial support will be provided for essential expenses, such as an outstanding mortgage.

Getting life insurance as an overweight individual can be much more difficult than it is for a person with an average or below-average BMI.

This is due to the already-mentioned high-risk factors associated with being overweight. Many insurers may charge their overweight clients very high premiums and be extremely stringent regarding things like critical illness cover.

While it is tough to be in, you must remember that you don’t have to stay on overweight life insurance your entire life.

Getting on a weight loss regimen and getting yourself back down to a healthy weight can radically reduce your life insurance premiums in the future, aside from helping you lead a healthier, happier life!

If you’re having trouble securing life insurance and your BMI is too high, it might be time to cut out processed foods and sugary drinks. Artificial sweeteners often trick the body into getting the same “reward” as sugar without any of the present calories leading to a greater risk for obesity and diabetes.

Make sure to eat fibre-rich whole grains such as oatmeal, quinoa, or brown rice instead of white carbohydrates like bagels or crackers.

This extra fibre will make you feel fuller faster, with less room for other foods to fill. Then try swapping fruit juices for unsweetened natural ones like orange juice with pulp, water instead of soda, and iced tea rather than coffee-based beverages.

There are many insurance policies available depending on the individual’s needs. We are available and willing to help clients with their insurance needs.

People often ask us: can you get life insurance with pre-existing conditions? Our agents take the time to understand each client’s specific needs and situation and work to find the more appropriate life insurance policy to fit their needs and budget.

Some of our company’s most satisfied customers are those who could not find the coverage they wanted elsewhere.

You might also be surprised to learn that no medical exam life insurance coverage is available for many people in the UK. The Insurance Hero team is always available to answer any questions.

Get a Better Deal on High Body Mass Index Life Insurance with Insurance Hero

Just like being overweight is not a death sentence, getting insurance with a higher-than-average BMI shouldn’t be a problem. Unfortunately, the life insurance industry is mainly based on risk assessment.

As overweight individuals are at a higher risk for serious medical conditions, such as heart disease, insurers often hike up obesity life insurance premiums to safeguard themselves against the potentially higher likelihood of paying out the lump sum earlier.

By comparing and contrasting life insurance options from leading UK-based insurance providers and using our analytical tools to your benefit, you’ll be sure to find a plan you can afford with Insurance Hero. Contact us now at 0203 129 88 66.

Case Study: Life Insurance for Individuals with High BMI in the UK


Meet Mark Toms, a 45-year-old resident of Birmingham, UK. He is a loving husband and father of two.

He works as an electrician and enjoys spending his free time with his family. Recently, Mark’s doctor informed him that he has a high Body Mass Index (BMI), which places him in the obese category.

Concerned about his health and family’s financial security, Mark explored life insurance options tailored to individuals with high BMI.


  1. High BMI and Health Risks: Mark’s BMI of 32 places him at a higher risk for health complications such as heart disease, diabetes, and hypertension.
  2. Insurance Premiums: Many UK insurance providers consider high BMI a risk factor, leading to higher premiums.

Solution: Specialised High BMI Life Insurance

Through Insurance Hero, Mark discovered a life insurance provider specialising in policies for individuals with high BMI.

They offered:

  1. Tailored Coverage: Policies designed to meet the unique needs of those with high BMI.
  2. Affordable Premiums: Competitive rates considering the whole health picture, not just BMI.
  3. Family Protection: Ensuring financial stability for loved ones in the event of Mark’s untimely passing.

Benefits for Mark and His Family

  1. Financial Security: Mark’s life insurance policy provides a safety net for his family, covering mortgage payments, education costs, and daily living expenses.
  2. Peace of Mind: Knowing that his family will be financially secure, Mark can focus on improving his health and BMI.
  3. Health Support: The insurance provider offers health and wellness programs to assist Mark in reducing his BMI and improving his overall health.

Mark’s decision to take out life insurance tailored to his high BMI has provided him and his family with financial security and peace of mind.

By choosing a provider that understands the unique needs of individuals with high BMI, he found a solution that offers protection and support for a healthier future.

This case study illustrates the importance of specialised life insurance options for those with high BMI in the UK.

It emphasises the value of understanding and addressing this demographic’s specific needs and challenges.

High BMI Life Insurance Final Thoughts

Life insurance is one of the most important investments you can make for yourself and your loved ones.

A high BMI life insurance policy gives your family financial support in the event of your death and can be a real lifesaver in difficult times.

We want to help you protect your loved ones and live a longer, healthier life, so we offer no obligation-free life insurance for high BMI quotes.

By comparing and contrasting life insurance options from leading UK-based insurance providers and using our analytical tools to your benefit, you’ll be sure to find a plan you can afford with Insurance Hero. Contact us now at 0203 129 88 66.

Get a quote today and give yourself and your family peace of mind for the future.

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