Obesity is a complex condition characterised by a high body fat amount of an individual. Obesity in itself is not a problem but it can lead to serious medical conditions like diabetes, heart conditions, cancer (sometimes), high blood pressure etc.

The main cause of obesity and overweight is an increased or extra intake of energy-rich foods and the absence of physical activity that leads to extra energy to be stored in the body.

The BMI or Body Mass Index is a value derived by using the weight and height of a person. The BMI of a person is mathematically equal to the mass (weight) of the person divided by the square of the height of the person. The weight is generally taken in kilograms and the height is taken in metre square.

Life insurance and Obesity

 In most cases, life insurances are offered to individuals who are obese and overweight, but the premium rates will undoubtedly be higher since the insurers are undertaking a possible risk of definite payout by providing you with life insurance.

However, even then insurance rates may vary depending on other factors like you age, lifestyle, family medical history, self medical history etc. If you do have a questionable medical history, some insurers may decide to exclude that particular condition from your insurance policy.

If in the future, you lose weight and attain a good BMI value you can contact the insurers and have the rate of your premium lowered, though you may require a certified document from a registered medical professional to prove it.

What happens if you have a high BMI value?

The BMI value is considered as a numeric representation of the overall health of an individual.

The BMI value and their implications are taken as follows:

BMI value Implication
Below 17 Underweight
18 to 25 Normal
25 to 30 Overweight
30 to 40 Obese
Over 40 Morbidly Obese

If you are overweight or obese, it may be difficult for you to obtain life insurance at standard rates. The final rate of premium will largely depend not just on your BMI value but your age, lifestyle and medical history.

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!
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