Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Can you get life insurance if you are overweight? Yes. you can. However depending on your build the cost could be considrable. Most insurance policies stop with a standard rating around a bmi of 35. Above 35 you have companies applying table rates depending on build and other health issues. Table rates are a higher cost than standard. There are guaranteed issue graded benefit plans a person could try too. Those plans also aren't inepensive.
Yes, most people can get life insurance if they are overweight. Some things that might create a difficulty are if they also have a serious health condition such as uncontrolled diabetes or recent heart attack, or if their weight is in the morbidly obese category.
However, there are many policies with lenient weight limits, and there is at least one policy in almost every state that does not have any weight limit at all. Some of these will work for persons with health conditions, as well, and some of them will even pay 100% of the death benefit from day one (are not graded).
You need to work with agencies that carry a variety of policies like this so that you can get the most affordable overweight life insurance premium.
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However, there are many policies with lenient weight limits, and there is at least one policy in almost every state that does not have any weight limit at all. Some of these will work for persons with health conditions, as well, and some of them will even pay 100% of the death benefit from day one (are not graded).
You need to work with agencies that carry a variety of policies like this so that you can get the most affordable overweight life insurance premium.