Overweight/obese life insurance

Are you overweight or obese? Are you looking for life insurance? At iLi we specialise in helping people with pre-existing medical conditions like obesity to find cover that protects their assets and loved ones. Whether you are overweight or obese, our unique comparison service and network of approved impaired insurance specialists can help you quickly and easily locate the best life insurance policy for at the best price.

About being overweight or obese

If you are overweight or obese, you have a higher percentage of body fat than a person who isn’t overweight or obese. Obesity is a condition that now affects a quarter of all adults in the UK. People who are obese or overweight have a high BMI (body mass index). The BMI calculator provided by the NHS is a great way to check whether or not you have a healthy weight. BMI is calculated by a score, which determines whether or not you have a healthy weight based on the following categories:

– 18.5 to 24.9 is a healthy BMI
– 25 to 29.9 is an overweight BMI
– 30 to 39.9 is an obese BMI
– 40 or more is a severely obese BMI

Being overweight or obese can lead to various health problems, including type 2 diabetes, heart disease, stroke, breast and bowel cancer and mental health conditions such as depression. Being overweight or obese can affect your life insurance premiums. Some insurers are more lenient than others when it comes to accepting applications from people who are overweight or obese. iLi can help you find the right insurer for your circumstances, that will accept your application sympathetically.

Finding overweight/obese life insurance with the best insurer

It can feel overwhelming to try and find the right life insurance cover for your needs. As obesity is considered a pre-existing medical condition, some insurers can be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for overweight or obesity life insurance, and need to manage their level of risk. If you have suffered from or run the risk of developing major health complications as a result of being overweight or obese, it can be more challenging to find an insurer that understands your circumstances.

At iLi, we can help you find the right insurer that has a sympathetic approach to your medical condition. As obesity and being overweight is a common condition for many people, there are many insurers out there that will accept applications for cover.

Costs for overweight and obese life insurance premiums

Medical complications that are linked to being obese or overweight include Type 2 diabetes, stroke, heart disease and mental health conditions. Because of the risks associated with an obese or overweight person developing such conditions, an insurer may charge a customer higher premiums for cover. Whether or not you are accepted for cover on standard or increased premiums will depend on your BMI, medical history and your current lifestyle, such as whether you smoke or drink heavily.

Prices from insurers will vary depending on who you speak to, which is why iLi is the right place to find the best overweight and obese life insurance specialist.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if you have severe obesity that puts a major strain on many of your vital organs, and you have been told that you are at a greater risk of developing a health condition such as heart disease or stroke, there is a great likelihood of you making a claim to an insurance company in future. A loading fee may therefore be applied to cover this risk.

At iLi, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal so that all of your insurance requirements are met. It’s quick and easy to get your quote.

Which companies offer overweight and obese life insurance?

iLi works with many of the UK’s leading life insurance providers that offer cover for overweight and obese people. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one life insurance broker. Submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:

– A good price for overweight and obese life insurance cover
– Substantial cover for your assets and personal property
– A compassionate insurer that is understanding of your condition

Further cover for overweight and obese life insurance

Critical illness cover

A critical illness cover policy will pay out a lump sum if you are diagnosed with a critical illness such as cancer. While it is possible that some insurers may accept applications from overweight or obese people, policy exclusions may apply in relation to cardiovascular diseases linked to a high BMI, or cancers such as breast cancer or bowel cancer.

With iLi’s policy comparison service, you can find the right cover that suits your needs. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. It’s quick, easy to do and saves you time searching the market for the right insurer.

Help and support

For more information, help and support about obesity or being overweight, visit the following links:

British Heart Foundation

The King’s Fund

Obesity Health Alliance

Or visit one of our Impaired Life Leads dedicated websites.

At iLi, we like to save you money and make the purchasing of life insurance as quick and simple as possible. If you are overweight or obese, you may worry about where you can find a sympathetic insurer that will offer you the right cover for your needs. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for overweight and obese life insurance. Our free service can help you find the right cover at the best price.