Life Insurance with High BMI Cover available for higher BMI applicants

A higher BMI doesn't mean you can't get life insurance. Many UK insurers cover applicants with high BMI, though premiums may be higher. Compare quotes from leading UK insurers who cover higher BMI applicants.

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BMI and Life Insurance

How your weight affects your life insurance options.

Most Insurers Cover High BMI

Many leading UK insurers offer life insurance to applicants with a BMI above 30. Premiums increase with BMI level but cover is widely available.

BMI Over 40

A BMI over 40 can make standard life insurance more difficult. Some insurers have higher thresholds than others. A broker will call to find the right insurer.

Comparing Matters

Each insurer has different BMI thresholds and pricing. One insurer may charge significantly more than another for the same BMI. Comparing is essential.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Frequently Asked Questions

Yes. Most UK insurers cover overweight and obese applicants. Your premium will depend on your BMI, overall health, and any related conditions.

There is no universal cut-off. Most insurers cover BMI up to 40-45. Above 45, options narrow but specialist brokers can still find cover. A broker will call to check.

Yes. If you lose weight and maintain it, you can apply for a new policy at a lower BMI. Some insurers also review existing policies if your health improves.

Yes. Insurers ask for your height and weight to calculate BMI. Being honest ensures your policy is valid and claims will be paid.

Different insurers have different thresholds. A broker will call to compare options from multiple insurers. For ages 50-85, guaranteed acceptance cover has no medical questions.

Get Life Insurance with High BMI

Compare life insurance quotes for high BMI. Leading UK insurers. Free. No obligation.

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