Best High BMI Life Insurance For Overweight People In 2022
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.
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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 much tougher time when trying to get affordable life insurance premiums due to their medical condition. Our insurance brokers have years of experience in the field and will do everything in their power to get you the insurance you need and deserve.
Most importantly, our insurance professionals will do all the work when it comes to 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 professionals 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 things like your family medical history, pre-existing medical conditions, and other factors that may affect 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, helping our clients to be confident that they will be receiving the best possible policy for their money.
Our insurance professionals will handle all the paperwork, keeping the client updated throughout the process so they know and understand their case is being 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.
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Best of all, our company is based in the UK, so individuals will not have to deal with any 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 faced with a high BMI, they are carrying too much body fat in conjunction with their height. BMI, or Body Mass Index, is a measure of 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 is considered morbidly obese.
Our organisation is usually able to secure life insurance for those 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 would recommend – approximately two out of five adults are considered overweight, and one out of five are 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 being considered an “obesity epidemic.” It is important, however, to keep in mind that there will always be a range of body weights and BMIs that are considered to be healthy depending on the individual’s age, sex, and height.
A combination of some 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 very distorted perception of what healthy weight is – this is due in part to the images of celebrities and media that surround body image. For those individuals whose BMI number indicates that they are overweight, some simple changes to their everyday lifestyle can help to make vast improvements.
For those who have a high BMI, it will become vital for them to think about how they can make changes to 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 more of a change to your overall lifestyle. When individuals participate in crash diets or unhealthy dieting, it is possible for them to gain back the weight they have lost and more if they do not make permanent changes to their lifestyle.
Individuals who have a BMI that is higher than what is recommended given their individual circumstances 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 being overweight, there are many health benefits 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
- Chance of passing away at any age is reduced by 20 percent
Reducing BMI and losing weight will be dependent on the balance found between the number of calories consumed every day 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 calories, it is possible for them to 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 every day can help individuals to see how many calories they are bringing in and when they may need to up their calorie burn through exercise.
Information on Life Insurance for those with High BMI
A life insurance policy is designed to provide beneficiaries with a lump sum when the policyholder passes away. Most individuals understand that, when they pass away, it is possible their family and loved ones will need financial support to cover costs and continue paying living expenses.
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 when it comes to things like critical illness cover.
While it is a tough situation to be in, you need to 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 down the road.
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 in. Then try swapping fruit juices for unsweetened natural ones like orange juice with pulp; water instead of soda; iced tea rather than coffee-based beverages
There are many insurance policies available depending on the individual’s needs. Our team of insurance professionals is available and willing to help clients with any and all of 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 as well as their budget. Some of our company’s most satisfied customers are those who were unable to find the coverage they wanted somewhere else. You might also be surprised to learn that no medical exam life insurance coverage is available for many people in the UK. As always, the Insurance Hero team is available to answer any questions you might have.
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 much of a problem, either. Unfortunately, the life insurance industry is mainly based on risk assessment. Seeing as overweight individuals find themselves 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 having to pay out the lump sum earlier.
Make use of life insurance professionals from Insurance Hero to find the most affordable coverage plan that suits your medical condition. Our brokers analyse and compare plans from the leading life insurance companies to bring you the offer that is most appropriate for your specific needs. 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 or visit our website to find out more.