Being overweight or classified as obese by BMI standards is an extremely common factor in life insurance applications, and coverage remains widely available across nearly every BMI range.
What underwriters typically consider
- Height-to-weight ratio (BMI) at the higher end of most carriers' charts
- Related conditions, such as diabetes, high blood pressure, or sleep apnea
- Overall health trends, not just a single number
What's typically realistic
Most weight ranges qualify for simplified issue final expense and whole life coverage, sometimes at a different rate tier than the lowest available rate. Even at higher BMI levels, guaranteed issue coverage remains a dependable fallback, with no health questions required at all.
The Christian Circle can walk through your specific numbers, since BMI charts and rate tiers vary meaningfully from one carrier to another.
Talk Through Your Options
Get a free, no-obligation call with a licensed advisor to see what's realistically available for your situation.
Get Your Free Quote