Best Life Insurance for High BMI

Life insurance is an essential financial tool that provides peace of mind and financial security for loved ones in the event of a policyholder’s passing. However, individuals with a higher BMI (Body Mass Index) may face challenges when seeking life insurance coverage. In this article, we will explore the options available and provide guidance on finding the best life insurance for individuals with a high BMI.

Understanding the Impact of BMI on Life Insurance:

BMI is a commonly used measurement to assess weight status based on an individual’s height and weight. Insurance companies often consider BMI as a factor in determining risk levels and premium rates. Individuals with a higher BMI may be perceived as having a higher risk for certain health conditions, such as heart disease, diabetes, or hypertension, which can affect life insurance coverage.

Options for Individuals with a High BMI:

While securing life insurance with a high BMI may require extra effort, it is not impossible. Here are some options to consider:

1. Shop Around:

Different insurance companies have varying underwriting guidelines and policies when it comes to BMI. Shopping around and obtaining quotes from multiple insurers can help identify those that are more favorable towards individuals with higher BMIs. Working with an independent insurance broker can be beneficial as they have access to multiple insurers and can help find the best options for your specific circumstances.

2. Underwriting Considerations:

Insurance companies assess risk based on various factors, including BMI. Some insurers may have more lenient underwriting guidelines or offer specialized policies for individuals with higher BMIs. Look for insurers that take a more holistic approach to underwriting, considering factors beyond just BMI, such as overall health, family medical history, and lifestyle habits.

3. Guaranteed Issue Life Insurance:

Guaranteed issue life insurance is a type of policy that does not require a medical exam or health questions. These policies are typically more expensive and offer lower coverage amounts, but they can be an option for individuals with high BMIs or pre-existing health conditions.

4. Improve Your Health:

Taking steps to improve your health and lower your BMI can positively impact your life insurance options. Engaging in regular exercise, adopting a balanced diet, and working towards maintaining a healthy weight can demonstrate to insurers your commitment to a healthier lifestyle. Some insurance companies offer policyholders the opportunity to reevaluate their coverage and potentially lower premiums once they have made significant improvements in their health.


Securing life insurance coverage for individuals with a high BMI may require additional effort, but it is achievable. By shopping around, considering underwriting guidelines, exploring guaranteed issue policies, and improving overall health, individuals can increase their chances of finding suitable coverage at a reasonable cost. It is crucial to consult with insurance professionals who can guide you through the process and help you find the best life insurance options tailored to your specific needs. Remember, life insurance is an important investment in protecting your loved ones’ financial future, regardless of your BMI.