Yes. The good news is, even if you’re classified as being obese it’s still possible to secure life insurance.
Generally speaking, if your BMI is under 39 and you're in good health your application will be accepted.
If your BMI is in excess of 45 you’ll most likely be declined, (unless on an over 50s plan). However, an insurer will also factor in your age alongside your BMI reading.
For example, if you have a BMI of 46 and are aged under 30 you’ll probably be declined. However, if you’re aged over 40 you may be accepted.
It's important to emphasise that even if you can secure cover; the higher your BMI, the more expensive the premium.
As with many aspects of life insurance, things are rarely cut and dry and there are many considerations.
Read on to learn about how best to secure life insurance for overweight individuals...