Can you get life insurance if you’re overweight?

A woman celebrates because she learned that being she can obtain life insurance even if she's considered overweight

While a life insurance policy might be more expensive for those classified as overweight or obese, there’s a good chance you can still find coverage. According to the Center for Disease Control and Prevention, the average male is about 5’7 and weighs about 198 lbs. while the average female is about 5’3 and weighs about 170 lbs., both of which are considered overweight. With a statistic like this, it’s incredibly common to be classified as “overweight” or “obese.” Learn more about what’s taken into consideration for eligibility for life insurance, what factors impact your life insurance rates, and opportunities to find more favorable coverage down the road.

Most Insurance Companies Use BMI During Underwriting

Most life insurance companies will take into consideration your body mass index (BMI) during the insurance underwriting process, which is typically collected during your medical exam. This measurement is just one factor that helps the life insurance carrier determine how much of an insurance risk you are. Being overweight can come with its own slew of health complications—think high blood pressure, type 2 diabetes, heart problems, sleep apnea—but that’s not to assume you’re guaranteed to be turned down. Each carrier has its own life insurance BMI chart that they refer to when considering an applicant for coverage. 

Can I be denied life insurance because of my weight?

In most cases, an insurance company will not deny a life insurance policy solely based on weight. They will also consider any other health complications, your age, gender and the overall build of your body when it comes to the physical qualifications for life insurance coverage. If you are denied a life insurance policy due to your weight or qualify for coverage, but at a high cost, you can consider no medical exam life insurance options or reapplying following any weight loss and/or improvements to your health. 

Be Prepared: Weight Can Impact Your Life Insurance Rates

While the likelihood of you being denied life insurance because of your weight is slim, there is a good chance that a heavier weight will result in increased life insurance rates. It is still best to be honest about your weight and current health state during the application process, as you’ll want your life insurance quote to be as accurate as possible heading into your medical exam. 

SelectQuote Can Help You Find the Right Life Insurance for You

No matter your weight or health, SelectQuote can help you compare coverage and rates from some of the most trusted life insurance companies in the nation to help you find the right coverage for your situation.

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