Life insurance with High BMI, Overweight

Life Insurance with High BMI


The reality of for anyone whose height / weight ratio or Body Mass Index (BMI) sits above or below what is medically seen as normally healthy ratio is that they may sometimes be declined for Life Insurance.

If your BMI is between 18-35, or sometimes above, you may be able to find cover from a mainstream insurer.

Pulse Insurance are experienced in finding Life Insurance for those with a higher BMI.

The availability of life cover may be affected by other conditions / complications (see below), but our underwriters will consider Life Insurance for people with BMI’s from 36 up to 59.

Finding Life Insurance with a High BMI

Your BMI score will incrementally affect your Life Insurance premium.

The underlying causes of your high BMI will also be considered by our underwriters, and may also affect the premium they calculate, as each can bring different risks:

Pulse can find typically cover for people with a high BMI caused by the following:-

  • Body building
  • Dietary Choices
  • Hypothyroidism, an underactive thyroid gland that slows metabolism and causes fatigue and weakness.
  • PCOS, or polycystic ovarian syndrome
  • Cushing’s syndrome
  • Prader-Willi syndrome

Other Conditions / Additional Complications

Sometimes having a high BMI can bring other complications.

For those whose also suffer from the conditions listed below, whether caused by their high BMI or not, we will need to collect additional relevant information.

You can complete our specific questions for each additional medical condition when you submit an enquiry.

Why Pulse Insurance?

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.

  • Pulse Insurance have been focused on finding unusual cover since 1996
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are good at helping people find the cover they need.

 In 95% of BMI cases we can offer indicative premiums and/or sense of if cover will be available or not early on; so you can decide to proceed or not.

Being Transparent

It is important to declare your High BMI and any other medical conditions completely.


Your Personal & Medical Details

Everything you disclose about your health to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.

Changes to Your Health

Your Pulse adviser will look to gain a detailed “snapshot” of your health before cover is issued and you should take care to disclose everything.

Requirements for more information

Occasionally, our initial enquiry may not gather enough information to make a definitive decision, our insurers may ask for more in depth information regarding your health and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.

Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication.
Please send these either to [email protected] or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.

Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

Beyond Life Insurance

More Life Insurance

The reasons you may need life cover may be simple or complex, but having the right cover brings peace of mind for you and your family.

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