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High BMI Life Insurance

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High BMI (Body Mass Index) life insurance, critical illness cover and income protection

We are a leading insurance specialist for people looking to protect themselves and their families who are classed as non-standard because of their medical history, such as High BMI. Our expert advisers have worked with thousands of people with pre-existing medical conditions to help them to find the insurance they need and to save money, which includes people with High BMI looking for life insurance, critical illness cover or income protection. Insurance underwriting does tend to change dramatically from one provider to another especially for BMI as each insurer uses a different scale and has different limits.

How High BMI life insurance, critical illness cover and income protection works:

Very often there should be no major issues with getting cover such as High BMI life insurance, critical illness cover or income protection however this depends on the following criteria:

  • Your current BMI levels
  • Any recent weight loss or gain
  • Treatment, medication or surgery
  • Other weight related issues (e.g. Diabetes, Blood Pressure, Heart Conditions etc.)
  • General health

If you need more information or a quote for High BMI life insurance, critical illness cover or income protection then you should speak to one of our expert advisers. We aim to help people to protect your family, home or business with the right type of protection cover and to save money on specialist cover which includes a lot of people with High BMI who need life insurance, critical illness cover and income protection.

 

High BMI life insurance

There are a range of potential outcomes for High BMI life insurance in terms of the possible loading that can be applied to your premium depending mainly on your BMI (Body Mass Index) reading. Other factors that providers will take into consideration when reviewing your application are:

  • Any other pre-existing medical conditions i.e. diabetes, heart conditions etc.
  • Any treatment or surgery that you have had or are awaiting
  • Your waist/dress size
  • Your general health

The other key point to consider is that underwriting and premium loadings for High BMI life insurance will vary from one insurance provider to another as well as the fact that underwriting can change for each provider over time.

It is possible to get High BMI life insurance at standard rates where the BMI levels are within a certain tolerance level with no further medical or health issues. The other thing to consider for High BMI life insurance is that you may be classed as having a higher than normal BMI but also be perfectly fit and healthy, such as people like bodybuilders or rugby players.

Applications for High BMI life insurance where your BMI is considered to be more severe or if you have other health issues then you will generally find that decisions can vary more widely. There are certain circumstances where it may be more difficult to get High BMI life insurance either where your BMI is over 55 or for other more serious medical complications, which may result in your application being declined.

 

High BMI critical illness cover

It is possible to get High BMI critical illness cover at normal premiums or with a small premium loading as long as your BMI is within a certain range. In some cases where the applicant has higher levels or if there is another medical/health issue then you may find that High BMI critical illness cover could be slightly more difficult to get.

In some cases where there are additional medical issues, such as Type 2 Diabetes, there could be more issues with getting High BMI critical illness cover because of the additional health risks. Certain applications we see for High BMI critical illness cover are classed as outside the standard levels and require a more specialist provider or product.

 

High BMI income protection

If you have been classed as having a High BMI and you need income protection, you might find that you can get cover, in some cases, where there are no major health issues or if your height and weight is within a certain level. Due to the increased health risks relating to being overweight it is more difficult to get High BMI income protection because of the strong links between obesity and health problems, which may then result in you having time off work. Applications for High BMI income protection will also be based on whether you have had much time off work recently, and what the circumstances were for this absence.

 

 


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If you need more help or a quote for High BMI (Body Mass Index) life insurance, critical illness cover and income protection then you can contact one of our advisers who can help.

 

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