Life Insurance for Overweight People
Life insurance for overweight people is about $22, on average. However, life insurance rates for overweight people are determined by age, gender, health, policy type, and company. Some companies may deny overweight people life insurance, but an obese person can secure cheap life insurance. Shop around and compare life insurance quotes for overweight people to find the best rates.
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Written by
Natasha McLachlan
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Reviewed by
Laura Walker
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UPDATED: Jul 16, 2021
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- Life insurance rates for overweight people are usually higher than average
- Alert your life insurance company about new lifestyle changes to save money
- Being overweight does not disqualify you from life insurance
Life insurance for overweight people is usually more expensive than average. But how come?
Being overweight correlates to lower life expectancy and poor health. Therefore, life insurance companies issue higher rates for people who are overweight.
However, there’s still a way to acquire affordable life insurance for overweight people.
Read through this short guide to learn how to buy life insurance for overweight people, compare the best insurance companies, and alert life insurance providers about lifestyle changes.
Are you ready to see life insurance quotes for overweight people right now? Use our free comparison tool above to compare multiple companies in your local area.
Table of Contents
Why are life insurance rates for overweight people more expensive than average?
Life insurance companies use the body mass index (BMI) to gauge your health status. This is one reason why life insurance providers ask for medical exams so that they can get a general idea about your health.
If your BMI indicates that you’re overweight, your life insurance rates could be more costly than expected.
Let’s look at the cost of life insurance based on the weight of a 35-year-old policyholder with a 20-year term life insurance policy and $500,000 in death benefits.
| Weight of a 5'9'' Males | Average Monthly Rates for Males | Weight of a 5'4'' Female | Average Monthly Rates for Females |
|---|---|---|---|
| 196 lbs. | $26 | 166 lbs. | $22 |
| 206 lbs. | $31 | 176 lbs. | $26 |
| 216 lbs. | $34 | 186 lbs. | $31 |
| 226 lbs. | $42 | 196 lbs. | $39 |
| 236 lbs. | $49 | 206 lbs. | $48 |
| 246 lbs. | $53 | 216 lbs. | $50 |
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Weight has a small effect on your life insurance, but age and health are some of the most significant factors determining life insurance.
Also, your policy limits impact your life insurance. You can decrease your monthly premiums by at least $10 if you get a lower policy limit.
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Life Insurance for Overweight People: Where can I find the best rates?
Getting the best life insurance rates for overweight people takes some patience. You don’t have to buy the first life insurance quote you receive.
To find the best life insurance policies, start with the top insurance companies. Here’s a list of few companies that have reliable life insurance products:
- State Farm
- New York Life
- MassMutual
- Prudential
- Gerber
- Mutual of Omaha
These are only a few companies. There are several other life insurance providers close to you and across the nation.
Which life insurance policies are available for overweight people?
Overweight, obese, and plus-size individuals have the right to pursue any life insurance policy they choose.
The cheapest route is term life insurance, but permanent life insurance has more expensive rates and more perks.
You can customize a term life insurance policy. However, permanent life insurance, such as whole life insurance, comes with cash values.
Take it a step further and enroll in universal life insurance. Universal life insurances have investment opportunities along with cash values that accumulate over time.
How do I save money on life insurance for overweight people?
First, compare life insurance companies that can give you a policy. No medical exam or burial insurance is ideal if you can’t get a life insurance company to insure you.
Younger policyholders, regardless of weight, pay much less than seniors. Anyone between 20 years old and 49 years old should take advantage of the low costs now.
Finally, minimize your life insurance policy. Look at what you need. Term life insurance provides the minimum. For a little more, get a whole life insurance policy.
Can life insurance for overweight people be denied?
The short answer is yes. If the life insurance company believes you may be a high-risk, they could deny your policy.
Life insurance companies can’t deny you a policy on your weight alone – they have to explain why.
Lying about your weight, health, and other essential lifestyle questions could result in denial of service.
Life Insurance for Overweight People: What if I lose weight during my policy?
Any changes to your lifestyle should be reported to your life insurance company so that you can secure a cheaper monthly rate.
Whether you’ve decided to quit smoking or started healthier eating solutions, you have a right to pursue more affordable rates.
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Life Insurance for Overweight People: What is obesity?
According to Mayo Clinic, obesity is a disease where the body has excessive body fat. While it’s not a cosmetic concern, obesity can affect a person’s health.
Obese people are often denied a policy request because of the adverse effect obesity has on a person’s overall health. However, an obese person can secure a policy with the right company.
Life Insurance for Overweight People: What’s the bottom line?
Can obese people get life insurance? Yes, they can. Obesity doesn’t make anyone ineligible to receive life insurance.
Although obese people pay more for life insurance, anyone can reduce their life insurance rates by choosing a healthier lifestyle.
Now that you know more about life insurance for overweight people, enter your ZIP code in the free online quote tool below to compare the top companies near you.