Life Insurance with a BMI of 47:
A high BMI does not necessarily mean that life insurance can’t be arranged. Many insurers in the market will be supportive of your condition, just remember that every insurer has different underwriting guidelines. There could, however, be additional considerations because they may ask questions such as your dress size or waist measurement – but with good reason! It helps them to determine how much weight you carry around your middle which is an area highlighted for additional health issues such as type2 diabetes.
But we understand that everyone is different and having a high BMI certainly doesn’t make life insurance less important. Policies have been offered to many people with a high BMI whether this is because they do bodybuilding, have thyroid complications or simply an outcome of their diet. When you have a high BMI there are a lot of possibilities that can happen when you apply for life insurance. You could be offered life insurance at standard terms (normal price), at a price increase or some insurers may decline the application. The tricky part to know which insurer is right for you. Some start to increase prices when BMIs go above 30 and the prices get higher as the BMI does. Some insurers may deny life insurance once someone’s BMI is over 40. Life insurance for overweight individuals can be accepted up to a BMI of 45 on the standard market. If your BMI is 47, you have an option for a range of specialist providers that can be approached for your life insurance.
So rest assured, your advisors can help you to find the most suitable life insurance for you, helping you to navigate the options along the way whilst considering the reason for your high BMI in the first place.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00