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How to Buy Life Insurance for Overweight People

How to Buy Life Insurance for Overweight People & Secure the Lowest Rates in [2023]

Purchasing life insurance for overweight people is usually a simple process. But it will also depend on your overall health history. One of thelife insurance for fat people most critical factors in getting the best life insurance rates will be simply using the most applicable life insurance company. All life insurance companies underwrite height and weight issues differently. 

Using the correct insurer will either make or break the goal of getting the lowest rates possible. We will cover everything you need to know to apply, get approved, and receive the best rates. A life insurance BMI chart is what the companies use to evaluate applicants. Purchasing life insurance for overweight people is a simple routine due to many overweight Americans.

According to statistics, over two-thirds of Americans are considered overweight or even obese to some degree.


Can You Buy Life Insurance if You Are Overweight?

One of the most common questions in the life insurance industry is. Can overweight people get life insurance? The answer is yes, you can unless you are morbidly obese and your overall health has been severely affected. If you can fit into one of the 16 health classifications, also known as rate classifications, you should be good to go.

Remember that table-based substandard rate classes are for people with more severe height and weight problems. The higher the number or letter, the more expensive the rate class. Here is a simple breakdown of those classes so you understand how they work.

See the classification breakdown below:

Life Insurance Rate Classifications Explained

Standard Classes:

  1. Preferred Best – 55% lower than typical rates
  2. Preferred – 38% lower than standard rates
  3. Standard Plus – 18% lower than standard rates
  4. Standard – Base rate for the standard rate class

Substandard Rate Classes with Table ratings:

  1. Table 1/A – 25% above standard rates
  2. Table 2/B – 50% above standard rates
  3. Table 3/C – 75% above standard rates
  4. Table 4/D – 100% above standard rates
  5. Table 5/E – 125% above standard rates
  6. Table 6/F – 150% above standard rates
  7. Table 7/G – 175% above standard rates
  8. Table 8/H– 200% above standard rates

Tobacco (Smoker Rate) Classifications:

  • Preferred Tobacco
  • Standard Tobacco

How Much More Is Life Insurance for Overweight Adults?

An obese person has a BMI Body Mass Index of 30 or more. This weight class is more severe than just being considered overweight. An obese applicant could easily fall into a health classification of rate table 4/D or higher, increasing their rates by over 100% of standard rates. However, this is very common in the United States, where more people are becoming overweight from poor eating habits and lack of exercise every year. Many life insurance companies have their own specific BMI insurance categories. Some companies are more friendly or sensitive with overweight life insurance underwriting.

What Increases the Rates for Overweight People?

Smoking while being overweight together can drastically increase your rates.

It is all about the added health risks associated with overweight people. Life insurance companies spend a lot of time and money creating statistics. They want to know what puts a risk to an individual’s overall health. The National Health Institute also does something very similar. Here is a list of what they find to be direct risks connected to being overweight and obese.

  • Kidney Disease
  • Forms of Cancer
  • Fatty liver
  • Gout
  • Diabetes
  • Impotence
  • High blood pressure
  • Risk of Stroke
  • Heart Disease
  • Gallbladder Disease
  • Sleep Apnea
  • Asthma
  • Promotion of Gallstones
  • Osteoarthritis
  • Pregnancy Issues
  • High Cholesterol


What is BMI Insurance?

All life insurance companies have a body mass index chart.

BMI is just a terminology for life insurance for overweight applicants. An individual Body Mass Index (BMI) is simply a measure of a person’s body fat based on height and weight. ThisBMI body mass index chart measurement would apply to all adults, either men or women. All life insurance companies have their version of a body mass index chart to place an applicant into a health classification.

When a medical underwriter looks at an application for life insurance for an overweight person, they automatically look at their life insurance BMI chart, compare the height to the weight, and go from there. Therefore, the applicant’s final rates will depend significantly on their position on the BMI chart numbers.


A Simple Medical Pre-Screen Will Help You Get the Best Rates

Pre-screening before an application can eliminate surprises during the application process and helps to choose which company to apply to.

I would never recommend anyone with medical conditions, height and weight issues, risky occupations, or hazardous sports dive in and apply for life insurance without a life insurance pre-screen. Our pre-screen form takes about 5 minutes or less to complete. This information will help us choose the best company for life insurance for the overweight using their specific information, which is secure.

Applying for overweight life insurance is underwritten just as a medical condition like high blood pressure or high cholesterol is. Everything depends on how severe or mild the medical condition is.

What are the Best Life Insurance Companies for Overweight and Obese People?

Prudential will be the most liberal company towards life insurance for overweight applicants. In many cases, they don’t go by a BMI insurance chart. You will typically be approved for a better health classification with Prudential than most other companies. They offer some of the best life insurance for the overweight.

Your health classification holds the most significant impact on your rates. Above all, Prudential is the largest life insurance company in the world, and they greatly make more substantial changes than other companies. Therefore, they are excellent if the applicant has severe health conditions also.

Here is a list of some of the best life insurance companies for overweight applicants.

  • Banner Life
  • Protective Life
  • AIG American General
  • Pacific Life
  • PrudentialThe best company for overweight people
  • MetLife
  • New York Life
  • Northwestern Mutual
  • Mass Mutual

Remember that there is no such thing as a one size fits all companies for overweight and obese applicants. Every person that applies is underwritten on a case-by-case basis. A 5-minute medical pre-screen should be performed before choosing any life insurance company.


What Type of Life Insurance Should I Consider?

Low-cost term life insurance, without a doubt, will be your most cost-effective plan design.

You have several excellent choices in life insurance plans designed to consider. However, I will say that conventional low-cost Term life insurance will be your best fit without hesitation. It has the lowest premiums and will give you the most protection for your hard-earned dollar. Here is how they all work below:

Term Life Insurance:

Affordable term life insurance is the most popular and cost-effective policy in the United States. It can usually be bought with term periods such as 10, 15, 20, 25, and 30 years. Banner Life recently released their 35, and 40-year term plan designs. Therefore, term insurance will always be the best choice for overweight life insurance.

Universal Life Insurance:

Universal life insurance is permanent insurance that will last the rest of your life if you keep paying your premiums. It costs over double the term price, but it gives you the lifelong security of knowing you will be covered forever. In addition, the policy will pay its death benefit to your dependents and family members one day.

No Medical Exam Life Insurance:

No medical exam life insurance is a plan designed that does not require a physical exam and can have a concise application. Depending on the company, these policies can have an approval time of 24-48 hours. However, they cost more than conventional policies because of the life insurance company’s short and straightforward underwriting process. In other words, they do not see the entire history of your health.

Return of Premium Life Insurance:

Return of premium life insurance policies will pay back all your premiums if you outlive the term period of your policy. These are term-life policies with the return of premium riders. They also cost more than conventional terms because of the opportunity of possibly receiving all your premiums back.

What is the Difference Between Overweight, Obese, and Morbidly Obese?

Most people wonder what the difference is between these three classifications. This terminology all revolves around your Body Mass Index. Medical professionals define “overweight” as a condition in which a person’s body weight is approximately 10%-20% higher than average. Doing this can be determined by a conventional height/weight chart or a body mass index rating (BMI) of 25 to 30.

Obesity is generally defined as a condition in which a person’s body weight is 20% or higher above average weight or BMI 30 or more. “Morbid obesity” means a person typically is 50%-100% over their average weight. Being over 100 pounds over normal can severely interfere with internal organs’ health or normal functioning. Therefore, your classification affects your rate.


Statistics for Overweight and Obese People in America

People living in the United States have been developing an escalating weight issue primarily due to the convenience of fast food services.

  • More than 2 in every three adults are overweight or obese.
  • Statistics indicate more than 1 in every three adults is obese.
  • More than 1 in every 20 adults is exceptionally obese.
  • About 1/3 of children and young adults ages 6 to 19 are overweight or obese.
  • More than 1 in every six children and young adults ages 6 to 19 are obese.

Save Money by Working With an Independent Agent

Give your independent agent (Broker) your information and let them shop the entire market for the lowest rates. There are many good choices for you. You also have the option of having no medical exam life insurance to consider. Non-medical-exam life insurance applications can be approved as quickly as 24 hours. These policies can work well for you if you are in a high-risk classification.

Your independent insurance agent can help you find the best rates you may qualify for. When working with a good agent, securing the best life insurance quotes for overweight people is never tricky.

Information the Insurers Pay Special Attention to:

  • Overall Health History
  • Tobacco Use
  • Driving Record
  • Credit History
  • Medical Records
  • Dangerous Sports
  • Dangerous Occupation
  • Medications Used

Life insurance underwriters will pay close attention to all essential categories of your application, not just those limited to your weight situation.


Top 3 Tips for Saving Money on Life Insurance: 

1. Change Your Diet and Lifestyle to Lose Pounds

If you want the lowest rates on life insurance, it will pay you to lose some weight. The closer you get to the average weight for your height on a BMI build chart, the better. More importantly, you will look better and feel better if you lose weight. You will even live longer and prevent any weight-related diseases you can acquire from being overweight or obese.

Losing weight will require changing your diet and adding more physical exercise to your daily lifestyle. The best idea is to seek professional help to make your new weight loss system more effective all the way around. A considerable percentage of Americans are overweight, so you are not alone. In addition, lowering your weight will improve your life insurance premiums.

2. Carefully Prepare for Your Physical Exam

Anytime you purchase life insurance, you will be requested to take a physical exam by a para-med nurse who will come to your home or place of employment. Naturally, you are not going to be able to lose any actual weight a week before she arrives, but there are a few things you can do to prevent yourself from getting yourself into trouble, such as:

Limit Alcoholic Beverages – Alcohol will affect your blood test readings in many ways, from blood pressure, blood sugar levels, liver enzymes, and much more. Stay away from alcohol for a week before the test, if possible.

Avoid Fatty Greasy Foods – Avoid pizza, cheeseburgers, french fries, and other high-cholesterol foods containing high fat and salt content.

Don’t Overeat – When you already have a weight issue, you will not want to overeat before your exam. You can maintain your weight or even lose a pound or two. But the last thing you want is to gain more weight than you have right now. A pound or two might make the difference in the health rate classification on a BMI build chart.


3. Seeing a Doctor Regularly

Anyone with a pre-existing medical condition must make office visits every six months in many cases. Frequent visits will help prevent your medical concerns from getting worse or other new conditions from going unnoticed. This practice will also send medical and life insurance companies that you are concerned about your health which is very important. When a life insurance company requests medical records and finds a person who seldom sees a doctor, it does not give a good impression. Therefore, this can be taken into consideration when underwriting your application.


Life Insurance for Overweight Females

Two in every three women in America are overweight!

Applying for life insurance for overweight females is the same as for men. More than 2 in every three women in the United States are overweight or obese. These statistics are surprising but very accurate. Heart disease, Diabetes, and Cancer are the most common diseases created by obesity in women.

Many women are too embarrassed to talk about being overweight or obese, even with a doctor or nurse. This situation leads to the condition getting worse as time goes by. The actual life insurance for heavy women process is the same.

How to Find the Best Life Insurance Rates for Overweight Applicants

We’ve covered you if you want to find the best life insurance quotes for overweight people. Always remember that a considerable percentage of Americans are overweight. We work with these people daily to help them find low life insurance rates. You can compare the best life insurance quotes on our instant quoting system or the sidebar form on the right. 

Our agency works with more than 40 of the highest-rated life insurance companies in the nation. Our objective is to ensure that our clients get the lowest rates possible. There is never any cost to apply; life insurance companies pay all expenses. Therefore, our service to you is always free and without the obligation to buy anything.


Re-Applying for Life Insurance After Losing Weight

You can apply for life insurance, get approved, and now you are good to go. If you want to try losing a few pounds, you can always re-apply later after you lose some weight and receive lower rates than you originally received. This is very common with people who smoke cigarettes and use other forms of tobacco. They kick the habit and re-apply for life insurance with n0n-smoker rates, drastically reducing their premiums. This is an option you will have later after improving your body-mass index.

In Conclusion

Purchasing life insurance for overweight or obese people is not typically a problem. But remember youlife insurance for obese people are in the same boat as millions of other Americans. We are here to help you at no cost or obligation. We will guide you through the complete process from start to finish.

Don’t hesitate to grab your phone and give us a call today. Get instant quotes on our website quoting system.

All the best,
Jack Venturi

If you have questions concerning life insurance, contact us today Let us help you at no cost or obligation. Remember that we are brokers and work for our clients, not insurance companies. We will help you get approved for the best policy with the lowest rates. You can also set up a time at your convenience to talk.


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best life insurance products at the lowest possible premiums over the phone (815)-246-5339 and online.