life insurance for people with obesity
Obesity (BMI over 30) affects life insurance underwriting. Most carriers use height/weight tables to determine insurability. BMI 30–35 is often insurable at standard rates. BMI over 40 may result in h...
life insurance for people with obesity
Obesity (BMI over 30) affects life insurance underwriting. Most carriers use height/weight tables to determine insurability. BMI 30–35 is often insurable at standard rates. BMI over 40 may result in higher rates or denial from some carriers. Weight loss surgery history can actually improve underwriting outcomes.
What You Need to Know
- BMI 30–35 is often insurable at standard rates from many carriers
- BMI 35–40 typically results in higher rates (table rating)
- BMI over 40 may face denial from some carriers
- Weight loss surgery history can improve underwriting outcomes
- An independent agent knows which carriers have the most favorable height/weight tables
The Patriot Plans Difference
Patriot Plans is 100% independent. We work for you — not the insurance companies. When you have a health condition, finding the right carrier is critical. Different carriers have very different underwriting guidelines for the same condition. An independent agent who knows the market can often find coverage that a direct-to-carrier application would miss. We've helped 400,000+ families find the right coverage — including thousands with pre-existing conditions.
Ready to Find the Right Coverage?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one most likely to offer you the best rate for your specific situation.