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Life Insurance for Overweight People

Life insurance for overweight people can be purchased with preferred rates!

Getting preferred rates for overweight people will depend on their exact weight and overall health history. One of the key factors in getting the best life insurance for overweight people using the most applicable life insurance company.

Using the correct insurer will make or break the goal of getting the lowest rates possible. All life insurance companies have their own way of processing an individual’s application. I will talk more about this later in this post.


Being heavy does not mean you can’t get low premiums!

Reaching out to an independent insurance agent who specializes in life insurance will be your ace in a hole. These agents represent the best carriers in the nation. They can run a simple medical prescreen to easily pinpoint companies with the lowest rates. Life insurance companies treat obesity as they would a typical medical condition. Being overweight can lead to heart attacks, strokes, Diabetes, and even death.

An overweight or obese person’s application is taken very seriously by all life insurance companies. Still, there are many A-rated insurers that offer excellent affordable rates to overweight applicants.

How much would life insurance for overweight people cost if I am morbidly obese?

Life insurance for overweight people varies from company to company. The most important question will always be how is your overall health. If you are obese but do not have out of control high cholesterol or very high blood pressure. You are off to a better start without these other conditions that are very common with obese people.

Naturally if you are morbidly obese and also have a serious condition like Diabetes, that spells trouble. Your application could be declined. This is where you actually have to apply before you will know for sure. The underwriting time will usually take between 4-6 weeks to complete.

What drives the rates up if I am overweight?

Life insurance companies spend a lot of time and money creating statistics. They want to know exactly what creates a risk in an individual’s overall health. The National Health Institute also does something very similar. Here is a list of what they find is directly connected to being obese.

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

What is the best life insurance company for overweight people?

The Prudential life insurance company is going to be the most liberal company towards applicants that are overweight or obese. You will normally be approved for a better health classification with Prudential compared to most other companies.

Your health classification hold the greatest impact on what your rates will be. Above all, Prudential is the largest life insurance company in the world and they great take greater changes that other companies. They are excellent if the applicant has serious health conditions also.


Term life insurance will always cost less

Low cost term life insurance for overweight people will always be your most cost-effective plan design. There other plan designs including universal life and whole life but these permanent life insurance products could easily triple your premium. Many people consider whole life but when they see the premiums they get total sticker shock. They immediately choose one of the term life insurance products.

You can even purchase an excellent product called return of premium life insurance. This form of term insurance will return 100% of your premium if you outlive the term period. This means you can get every penny back that you paid out in premiums.

Choosing the correct life insurance company to apply with is extremely important

All life insurance companies underwrite their applications differently. Some companies are very sensitive to to the BMI chart which describes how much a person should weight for their height. Other companies are going to be more liberal with weight. These are the companies you want to apply with.

An independent insurance agent will pre-screen multiple carriers to see which one will offer the lowest rates. This is very important to make sure you receive the lowest premiums. Below you will find some of the best life insurance companies for overweight people.

  • Prudential
  • Banner Life
  • Protective Life
  • AIG American General
  • Pacific Life

What is the difference between overweight, obese, and morbidly obese?

Most people wonder what is the difference 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 approximately is 10%-20% higher than normal. This can be defined by a conventional height/weight chart, or as a body mass index rating (BMI) of 25 to 30.

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


These are the four basic rate classes that will impact your final rates

Once your application is approved, your rate classification will fall under one of these four classes.

  • Preferred Plus
  • Preferred
  • Standard Plus
  • Standard

When comparing rates on a quote engine, pay attention to the health class drop-down menu. If you are noticeably overweight you may need to be looking at Standard Plus or possibly Standard rates. If you are extremely overweight you possibly could be placed in one of the other rate tables.

Rate tables are basically rate classes that are below the Standard class. They run from number 1-10 or A-J depending on the life insurance company. For example, an applicant could be approved with a Standard rate class in Rate Table D or Rate Table H. The more obese the applicant is, the higher they go in the rate tables.

Life insurance for overweight people rates classifications that applicants may experience

We will use a 40-year-old male applying for a 20-year term policy with a $250,000 face amount. Banner Life will be the company we will compare for this illustration.

  • Preferred – $257.49
  • Standard Plus – $339.49
  • The conventional Standard class – $380.99
  • High-Risk Standard Rate Table B – $479.24
  • Higher Risk Standard Rate Table D – $618.98
  • Increased Rating Standard Rate Table F – $758.73
  • Advanced Rating Standard Rate Table H – $898.47
  • The Highest Possible Rate Class Standard Rate Table J – $1038.22

If an applicant’s rate class exceeds rate table J, the individual would be declined. This comparison clearly shows what is actually involved in quoting and an overweight applicant. This is why a medical pre-screen is so important.

Medical conditions the life insurance companies associate with being  overweight 

This list indicates medical conditions that can be triggered by being mildly overweight just like many Americans are. It does not take much to create medical problems even if you are a little overweight.

  • Various forms of heart disease and stroke
  • Hypertension (High blood pressure)
  • Diabetes (Type 1 and 2)
  • Some forms of Cancer
  • Gallbladder diseases and including gallstones
  • Osteoarthritis (Brittle Bones)
  • Gout (Severe Joint Pain)
  • Respiratory conditions, such as Sleep Apnea

Statistics of overweight people in America

  • There are more than 2 in every 3 adults are believed to be overweight or obese.
  • Statistics indicate more than 1 in every 3 adults are believed to be obese.
  • More than 1 in every 20 adults are believed to be extremely obese.
  • About 1/3 of children and young adults ages 6 to 19 are believed to be overweight or obese.
  • More than 1 in every 6 children and young adults ages 6 to 19 are believed to be obese.

Save time and connect with an independent agent

Provide your agent with your information and let them shop the entire market for the lowest rates. There are many good choices for you. You also have the choice of no medical exam life insurance to consider. No medical Exam policies can be approved as quickly as 24 hours. If you are in a high-risk classification these policies can work out well for you.

Your independent insurance agent can help you find the best rates that you may qualify for. Securing the best life insurance quotes for overweight people is not difficult when you are working with a good agent.

Important information the companies pay attention to:

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

Where can I find the very best life insurance rates for overweight people?

If you are looking to find the best life insurance for overweight individuals, we’ve got you covered. Always remember that a huge percentage of Americans are overweight. We work with these people everyday and help them to find low rates on life insurance.

Our agency works with more than 40 of the highest rated life insurance companies in the nation. Our objective is to prevent them from not paying a dime more than they have to. There is never any cost to apply, the life insurance companies pay all expenses. Our service to you is always free and with no obligation to buy anything.

In Conclusion

If you have any questions about purchasing life insurance for overweight or obese people. 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.

Complete the form on the right to compare instant life insurance rates from over 40 companies side-by-side to see for yourself. If you are worried about sales pressure, don’t. We want you to move at your own pace.

If you would like to set-up a time to discuss your life insurance needs and get your questions asked, we can help you at your own convenience.

All the best,
Jack Venturi

Jack Venturi Independant Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling all forms of individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United Sates purchase the best insurance products at the lowest premiums possible over the phone and online.