Best Life Insurance for Overweight People in 2024 (Top 10 Companies)
The best life insurance for overweight people are offered by Prudential, USAA, and MetLife, with discounts rates up to 20%. These companies stand out due to tailored coverage addressing the unique needs of overweight individuals. Ensure to compare rates and policies to get the best for your specific circumstances.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Oct 21, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Full Coverage for Overweight People
A.M. Best Rating
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Pros & Cons
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Full Coverage for Overweight People
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
977 reviewsCompany Facts
Full Coverage for Overweight People
A.M. Best Rating
Complaint Level
Pros & Cons
977 reviews
With discounts of up to 20%, these best life insurance companies for overweight people provide peace of mind and financial security for those navigating the challenges of weight status.
Our Top 10 Company Picks: Best Life Insurance for Overweight People
| Company | Rank | A.M. Best | Multi-Policy Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
| #1 | A+ | 5% | Customized Underwriting | Prudential |
 | #2 | A++ | 10% | Member Discounts | USAA |
 | #3 | A | 10% | Weight-Inclusive Policies | MetLife |
 | #4 | A+ | 25% | Wellness Programs | Nationwide |
 | #5 | A++ | 17% | Underwriting Flexibility | State Farm |
 | #6 | A++ | 5% | Long-Term Care Options | New York Life |
 | #7 | A+ | 20% | Accelerated Underwriting | AIG |
 | #8 | A | 25% | Rate Stability | Mutual of Omaha |
 | #9 | A | A+ | Living Benefits | Transamerica |
 | #10 | A | 5% | Financial Strength | Guardian Life |
Uncover the comprehensive solutions these companies offer to ensure your loved ones are protected no matter what. You can get free quotes for life insurance for obese people and secure financial protection for your loved ones by entering your ZIP code into our tool above.
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#1 – Prudential: Top Overall Pick
Pros
- Customized Underwriting: Prudential offers personalized underwriting, allowing individuals to tailor their policy on life insurance for overweight applicants based on their specific needs and health conditions.
- Max Multi-Policy Discount: Customers can benefit from a multi-policy discount of up to 5%, encouraging them to bundle different insurance products for additional savings.
- Reputable Company: Prudential insurance review & ratings highlight being a well-established and reputable life insurance company with a long history of financial stability and customer satisfaction.
Cons
- Limited Multi-Policy Discount: While Prudential offers a multi-policy discount, the maximum discount is relatively lower compared to some other companies in the market.
- May not be the Most Budget-Friendly: Depending on individual circumstances, Prudential’s customized underwriting approach may lead to higher premiums, making it less competitive in terms of cost.
#2 – USAA: Best for Military Advantage
Pros
- Member Discounts: USAA provides significant discounts for its members, offering up to 10% on multi-policy arrangements and up to 20% for low-mileage discounts.
- Max Low-Mileage Discount: Individuals who drive less can benefit from a substantial low-mileage discount of up to 20%, potentially resulting in lower premiums.
- Excellent Customer Service: USAA insurance review & ratings boast its outstanding customer service, consistently ranking high in customer satisfaction surveys.
Cons
- Limited Availability: USAA membership is exclusive to military personnel, veterans, and their families, potentially excluding a significant portion of the population.
- May not Cater to All Needs: While USAA excels in serving its target demographic, it may not offer the same breadth of options for individuals with diverse insurance needs.
#3 – MetLife: Best for Inclusive Coverage
Pros
- Weight-Inclusive Policies: MetLife stands out by offering weight-inclusive policies, catering to individuals who may be overweight and providing them with tailored coverage options.
- Max Multi-Policy Discount: Customers can enjoy a multi-policy discount of up to 10%, promoting the bundling of insurance products for added savings.
- Financial Stability: MetLife insurance Review & Ratings underscore being a financially stable company, instilling confidence in policyholders regarding the long-term viability of their insurance provider.
Cons
- Limited Low-Mileage Discount: MetLife’s low-mileage discount is capped at 10%, potentially offering less incentive for individuals who drive fewer miles.
- May Have Stricter Underwriting for Other Factors: While weight-inclusive policies are a strength, MetLife may have stricter underwriting criteria for other health or lifestyle factors.
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#4 – Nationwide: Best for Healthy Choices
Pros
- Wellness Programs: Nationwide offers wellness programs, encouraging policyholders to adopt healthy lifestyles and providing opportunities for additional discounts of up to 30%.
- Max Multi-Policy Discount: With a multi-policy discount of up to 25%, Nationwide incentivizes customers to bundle their insurance needs for increased savings.
- Flexible Underwriting: Nationwide insurance review & ratings accentuate the company’s ability to offer underwriting flexibility, catering to various health and lifestyle circumstances.
Cons
- May Require Active Participation: To fully benefit from wellness programs, policyholders may need to actively engage and meet certain health-related criteria.
- Not the Highest Low-Mileage Discount: While Nationwide offers a low-mileage discount, it may not be as generous as some other companies in the market.
#5 – State Farm: Best for Personalized Coverage
Pros
- Underwriting Flexibility: State Farm offers underwriting flexibility, allowing for a personalized approach to policy creation based on individual circumstances.
- Max Multi-Policy Discount: Customers can save up to 17% with State Farm by bundling multiple insurance policies, providing an attractive option for those seeking comprehensive coverage.
- Wide Network of Agents: State Farm insurance review & ratings showcase the company’s widespread agent network, guaranteeing accessibility and tailored assistance to customers in diverse areas.
Cons
- May Not Have the Highest Discounts: While State Farm offers multi-policy and other discounts, the maximum percentages may be lower than those offered by some competitors.
- Premiums Could be Higher for Some Individuals: Depending on individual factors, State Farm’s approach to underwriting flexibility may result in higher premiums for certain customers.
#6 – New York Life: Best for Future-Proofing
Pros
- Long-Term Care Options: New York Life provides long-term care options, addressing the future needs of policyholders beyond traditional life insurance for overweight persons coverage.
- Max Multi-Policy Discount: Customers can benefit from a multi-policy discount of up to 5%, encouraging them to bundle different insurance products for additional savings.
- Established Company: New York Life insurance review & ratings show that the company is a respected and long-standing provider of life insurance, known for its solid financial stability over the years.
Cons
- Limited Multi-Policy Discount: The maximum multi-policy discount offered by New York Life is relatively lower compared to some competitors.
- May not Cater to Short-Term Insurance Needs: The emphasis on long-term care may make New York Life less suitable for individuals seeking primarily short-term insurance solutions.
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#7 – AIG: Best for Global Assurance
Pros
- Accelerated Underwriting: AIG insurance review & ratings feature accelerated underwriting, which simplifies the application process, enabling faster policy issuance.
- Max Multi-Policy Discount: Customers can enjoy a multi-policy discount of up to 20%, promoting the bundling of insurance products for added savings.
- Global Presence: AIG’s global presence may be advantageous for policyholders who require international coverage or travel frequently.
Cons
- May not be the Most Budget-Friendly: AIG’s emphasis on accelerated underwriting and global coverage may result in higher premiums for some individuals.
- Potential for Complexity: The global nature of AIG’s operations may introduce complexities in policy management for some customers.
#8 – Mutual of Omaha: Best for Stability Assurance
Pros
- Rate Stability: When it comes to Mutual of Omaha insurance review & ratings, the company ensures rate stability, giving policyholders a reliable and foreseeable experience with their insurance premiums.
- Max Multi-Policy Discount: Customers can benefit from a multi-policy discount of up to 25%, encouraging them to bundle different insurance products for additional savings.
- Variety of Insurance Products: Mutual of Omaha offers a range of insurance products, allowing customers to fulfill multiple coverage needs with one provider.
Cons
- May not Have the Most Generous Low-Mileage Discount: While Mutual of Omaha provides a multi-policy discount, its low-mileage discount may be less competitive.
- Limited Online Presence: Mutual of Omaha’s online capabilities may be less robust compared to some competitors, potentially impacting the convenience of managing policies online.
#9 – Transamerica: Best for Secured Benefits
Pros
- Living Benefits: Transamerica insurance review & ratings showcase the provision of living benefits, offering policyholders financial assistance in the event of critical illness or other specified circumstances.
- Max Multi-Policy Discount: Customers can enjoy a multi-policy discount of up to 10%, promoting the bundling of insurance products for added savings.
- Financial Strength: Transamerica’s financial strength instills confidence in policyholders regarding the company’s ability to fulfill long-term commitments.
Cons
- May Have Stricter Underwriting for Some Individuals: While offering living benefits, Transamerica’s underwriting criteria may be stricter for certain health or lifestyle conditions.
- May not be the Most Budget-Friendly: Depending on individual circumstances, Transamerica’s emphasis on living benefits may result in higher premiums.
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#10 – Guardian Life: Best for Financial Strength
Pros
- Financial Strength: Guardian Life is recognized for its financial strength, providing policyholders with confidence in the stability of their chosen insurer.
- Max Multi-Policy Discount: Customers can benefit from a multi-policy discount of up to 5%, encouraging them to bundle different insurance products for additional savings.
- Customer Focus: Guardian Life insurance review & ratings emphasize their dedication to ensuring customer satisfaction, striving to deliver tailored services that cater to each individual’s requirements.
Cons
- Limited Multi-Policy Discount: The maximum multi-policy discount offered by Guardian Life is relatively lower compared to some competitors.
- May not Have the Most Generous Low-Mileage Discount: Guardian Life’s low-mileage discount may be less competitive compared to other companies in the market.
Life Insurance Rates for Individuals With Weight Considerations
Life insurance is a critical financial tool that provides a safety net for loved ones in the event of an individual’s passing. When it comes to securing life insurance for individuals classified as overweight, it’s essential to consider the coverage rates offered by various insurance providers. The table below outlines the minimum and full coverage rates for overweight individuals from some prominent insurance companies:
Life Insurance for Overweight People: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AIG | $70 | $200 |
| Guardian Life | $75 | $210 |
| Metlife | $75 | $190 |
| Mutual of Omaha | $55 | $175 |
| Nationwide | $60 | $170 |
| New York Life | $80 | $220 |
| Prudential | $70 | $200 |
| State Farm | $55 | $160 |
| Transamerica | $60 | $180 |
| USAA | $65 | $180 |
When examining the full coverage rates, which represent the maximum benefit a policyholder can receive, it is evident that there is a range of options available. The rates vary from a minimum of $160 with State Farm to a maximum of $220 with New York Life.
This range reflects the diversity in pricing strategies among insurance providers, with each company considering different factors. On the other hand, the minimum coverage rates indicate the lowest monthly premium an overweight individual can pay for life insurance. These rates range from $55 with Mutual of Omaha and State Farm to $80 with New York Life.
It is crucial to note that while the minimum coverage rates are lower, they may offer a more limited benefit. Individuals opting for minimum coverage should carefully assess whether the provided coverage aligns with their financial goals and the needs of their beneficiaries.
In conclusion, when seeking life insurance for overweight individuals, it’s imperative to compare the coverage rates offered by different insurance companies. The variations in both minimum and full coverage rates highlight the importance of thorough research to find a policy that not only fits within one’s budget but also provides adequate protection for loved ones.
Understanding the Cost Disparity in Life Insurance Rates for Overweight Individuals
Can you get life insurance if you are obese? Life insurance companies use the body mass index (BMI) to gauge your health status. This is one reason why life insurance providers ask for medical exams so that they can get a general idea about your health. If your BMI indicates that you’re overweight, your life insurance rates could be more costly than expected.
Let’s look at the cost of life insurance based on the weight of a 35-year-old policyholder with a 20-year term life insurance policy and $500,000 in death benefits.
Term Life Insurance Monthly Rates by Weight & Gender
| Male Weight | Male Rates | Female Weight | Female Rates |
|---|---|---|---|
| 196 lbs. | $26 | 166 lbs. | $22 |
| 206 lbs. | $31 | 176 lbs. | $26 |
| 216 lbs. | $34 | 186 lbs. | $31 |
| 226 lbs. | $42 | 196 lbs. | $39 |
| 236 lbs. | $49 | 206 lbs. | $48 |
| 246 lbs. | $53 | 216 lbs. | $50 |
The table shows the life insurance for overweight females and life insurance for overweight males. Weight has a small effect on your life insurance, but age and health are some of the most significant factors determining life insurance. Also, your policy limits impact your life insurance. You can decrease your monthly premiums by at least $10 if you get a lower policy limit.
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Life Insurance Options for Individuals With Excess Weight
Overweight, obese, and plus-size individuals have the right to pursue any life insurance policy they choose. The cheapest route is term life insurance, but permanent life insurance has more expensive rates and more perks. You can customize a term life insurance for obese people policy. However, permanent life insurance, such as whole life insurance, comes with cash values.
Take it a step further and enroll in universal life insurance. Universal life insurances have investment opportunities along with cash values that accumulate over time. Compare life insurance companies that can give you a policy. No medical exam or burial insurance is ideal if you can’t get a life insurance company to insure you.
Ty Stewart Licensed Insurance Agent
Younger policyholders, regardless of weight, pay much less than seniors. Anyone between 20 years old and 49 years old should take advantage of the low costs now. Finally, minimize your life insurance policy. Look at what you need. Term life insurance for overweight people provides the minimum. For a little more, get a whole life insurance policy.
Understanding Obesity in Relation to Life Insurance for Overweight Individuals
According to Mayo Clinic, obesity is a disease where the body has excessive body fat. While it’s not a cosmetic concern, obesity can affect a person’s health.
Obese people are often denied a policy request because of the adverse effect obesity has on a person’s overall health status. However, an obese person can secure a policy with the right company.
Getting Life Insurance for Overweight People Online Quotation
Obtaining a life insurance quote online especially for overweight individuals can be a straightforward process. Here’s a step-by-step guide to help you navigate through:
- Research and compare. Start by researching insurance companies catering to overweight individuals. Look for specialists or those offering tailored coverage or discounts. Make a list of promising companies.
- Visit insurance company websites. Go to their websites and use their online quote tools or forms. Look for sections related to life insurance or quotes.
- Fill out the form. Provide basic information like age, gender, height, weight, medical history, lifestyle habits, and desired coverage amount accurately.
- Review the quote. After submitting, review the preliminary quote for coverage options, premium rates, and any conditions.
- Customize your coverage. Some tools may allow customization of coverage options based on preferences and budget.
- Compare multiple quotes. Use online tools from multiple companies to compare rates and coverage.
- Contact the insurance company. Reach out directly to ask questions and finalize details.
- Complete the application process. Follow the insurer’s guidance, which may include submitting documents, undergoing a medical exam, and signing paperwork.
By following these steps, you can obtain an online quote for life insurance tailored to overweight individuals and make informed decisions about securing financial protection for yourself and your loved ones.
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Case Studies: Best Life Insurance for Overweight People
In these case studies, we’ll delve into real-life scenarios of individuals navigating the complexities of securing life insurance as overweight individuals. From overcoming challenges to finding tailored solutions, these stories shed light on the journey towards financial security for oneself and loved ones.
- Case Study #1– John Reynolds: John Reynolds, 45, BMI 35, struggled for affordable life insurance. With help from a specialized broker, he secured a competitive term life policy, ensuring financial protection for his family.
- Case Study #2 – Sarah Patel: Sarah Patel, 38, BMI 32, faced insurance hurdles due to weight. After consulting a financial advisor, she found an insurer with tailored policies, offering a graded benefit plan that gradually built coverage for her family’s financial security.
- Case Study #3 – David Thompson: David Thompson, 55, BMI 38, faced rejections due to weight and health. Guided by an independent agent, he secured guaranteed issue life insurance, providing essential coverage despite his health challenges.
These case studies illustrate the importance of perseverance and seeking specialized guidance when navigating the complexities of securing life insurance as an overweight individual. Despite facing challenges, each individual found a tailored solution that provided financial security for themselves and their loved ones, emphasizing the value of exploration in the journey towards securing life insurance coverage.
Explore our “What is the best life insurance policy to get when you have obesity?” for more information.
Bottom Line: Life Insurance for Overweight People
Securing life insurance as an overweight individual entails thorough research and consideration of various factors, including BMI, age, and health. Best insurance companies like Prudential, USAA, and MetLife offer tailored solutions with discounts of up to 20%, acknowledging the unique needs of this demographic.
By comparing rates, understanding coverage options, and seeking guidance from licensed professionals, individuals can confidently choose policies that provide financial security for themselves and their loved ones. Despite potential challenges, the journey towards obtaining life insurance for overweight individuals is marked by the opportunity to find comprehensive coverage that aligns with one’s budget and goals.
Heidi Mertlich Licensed Insurance Agent
With determination and the right resources at hand, individuals can navigate this aspect of financial planning effectively, ensuring peace of mind and protection for the future.
Stop overspending on life insurance. Use our tool below to compare rates from top providers near you.
Frequently Asked Questions
How much is life insurance for overweight people?
Life insurance rates for overweight individuals vary based on factors such as age, health, and lifestyle. Full coverage rates range from $160 with State Farm to $220 with New York Life, while minimum coverage rates range from $55 with Mutual of Omaha to $80 with New York Life.
Discover more on our “How does the insurance company determine my premium?“.
Why are life insurance rates for overweight people more expensive than average?
Life insurance rates for overweight individuals are influenced by body mass index (BMI). Higher BMI may result in higher rates, but factors like age and health also play a significant role in determining average monthly cost of life insurance. It’s best to study the best BMI according to your physique.
Compare rates with as many companies as possible using our free comparison tool. Simply enter your ZIP code below to get immediate quotes.
How does BMI affect life insurance rates?
BMI (Body Mass Index) is a factor that life insurance companies take into account when determining life insurance rates BMI. Typically, the higher your BMI, the higher your life insurance rates may be.
Which life insurance policies are available for overweight people?
Overweight individuals can choose from various life insurance policies, including term life insurance for affordability, permanent life insurance for added benefits, and universal life insurance for investment opportunities and cash values.
How do I save money on life insurance for overweight people?
To save money on life insurance for overweight individuals, compare quotes, consider term life insurance, take advantage of lower policy limits, and review and adjust your coverage as needed. Additionally, adopting a healthier lifestyle may help reduce average monthly life insurance cost.
Can I get life insurance if I am overweight?
Yes, you can still obtain overweight life insurance even if you have a higher BMI. Many insurance companies provide policies specifically tailored for individuals with elevated BMI levels.
Where can I find the best rates for life insurance for overweight people?
To find the best life insurance for obese adults, compare quotes from top insurance companies. Some reliable options include Prudential, USAA, MetLife, Nationwide, and State Farm.
What is the maximum BMI for life insurance coverage?
The maximum BMI for life insurance coverage varies depending on the insurance company. However, most companies have specific underwriting guidelines for individuals with higher BMI.
Are there specific life insurance options for obese adults?
Yes, there are life insurance for obese adults. These policies take into account the unique needs of individuals with higher BMI.
Avoid overpaying for life insurance by comparing rates with our free tool. Simply enter your ZIP code below to get started.
How can I find affordable life insurance rates if I am overweight?
To find cost-effective life insurance if overweight, compare quotes from various insurance companies. Seek out insurers specializing in life insurance for overweight individuals and explore policies offering competitive rates and comprehensive coverage based on your BMI.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
