Life Insurance by Health
What is the best life insurance for overweight people?
Being overweight affects life insurance premiums, but the impact depends on your height-weight ratio (BMI) and overall health. Mild overweight may have minimal impact. Severe obesity may result in higher premiums or declines. An independent agent can shop multiple carriers to find the most favorable underwriting.
Key Points
- BMI affects life insurance premiums
- Mild overweight: minimal impact on premiums
- Severe obesity: may result in higher premiums or declines
- An independent agent can shop multiple carriers for the most favorable underwriting
- No-exam life insurance: available for those who prefer to avoid medical exams