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Life Insurance for Individuals with Higher BMI: What You Need to Know

Health assessment is an important aspect when purchasing an insurance plan. Life insurance for overweight individuals refers to life insurance products that offers financial coverage to individuals whose body weight is above the average range. It ensures  that individuals with higher Body Mass Index (BMI) are not excluded from basic life cover benefits. While a higher BMI can influence underwriting outcomes, it does not automatically lead to disqualification from life insurance coverage. Read More


When selecting a policy, overweight applicants can consider key factors such as the type of plan, coverage amount, term length, and premium flexibility. However, you would need to know all associated factors well before buying a policy. Read Less

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Written ByShruti Gujarathi
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Shruti Gujarathi has 5 years of experience in the BFSI sector, and as Manager – Digital Marketing at Bajaj Allianz Life Insurance, manages digital and content marketing. She has had hands-on experience in content strategy, performance marketing and Strategic Alliances over a career spanning 10 years, with deep expertise in insurance domain.
Reviewed ByRosy Pathak
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Rosy Pathak, AVP- Product and Brand Marketing at Bajaj Allianz Life Insurance carries over 17 years of experience in Marketing and a demonstrated history of working in the insurance industry. She is skilled in Product Management, Planning and Strategy, Project Management, Marketing and Communication.
Written on: 18th July 2025
Modified on: 21th July 2025
Reading Time: 15 Mins
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How Does Your BMI Impact Your Life Insurance Premiums?

Health is a crucial aspect when you are buying a life insurance plan. It can also impact the rate of your premium. Insurance companies use a tool called Body Mass Index (BMI) to assess whether an individual is underweight, of normal weight, overweight, or obese. A BMI that falls into the overweight or obese category may be flagged for further assessment, not automatic disqualification.

When reviewing an application, insurers look at the overall health profile. Along with BMI, they consider several other factors to assess the risk.

Medical checkups are often involved in the process, particularly when the weight of an applicant exceeds the normal range. Some of these tests include blood pressure, cholesterol counts, and screening for diabetes etc. Based on the outcome, insurers determine the amount of risk and charge the premium accordingly.

Being truthful while applying and going through the necessary health exams can improve the likelihood of getting proper coverage.

As much as weight can affect premiums, insurers take other factors into consideration before setting the price of coverage.


Types of life insurance policies for people with higher BMI to choose from

Overweight individuals exploring life insurance can still access plans that provide comprehensive coverage and peace of mind. While underwriting may include additional checks like BMI evaluation or health tests, there are policy options designed to include people with higher weight categories. The goal is to choose a plan that meets your life goals, whether that’s financial security, long-term protection, or healthcare support.

There are several options available for people with a higher BMI to choose from. Here are some of them:


  1. Term Insurance Plan

    • Offers financial protection for a fixed term
    • Premiums may vary based on age, BMI, and medical condition etc amongst other factors.
    • Suitable for individuals seeking pure protection .
       
  2. Diabetic Term Plan

    This type of life insurance is meant for providing financial support to your loved ones in case you are dealing with diabetes. For this, an underwriting process is required. The underwriting process for diabetics involves a thorough assessment of the individual’s health condition, diabetes management, and related health risks.


  3. ULIP (Unit Linked Insurance Plan)

    • Combines market-linked fund options with life insurance
    • Able to support both life insurance and long-term financial objectives

  4. Group Life Insurance Plan

    This insurance option is available for employees of members of a registered organization. Individual medical assessments may not be required, therefore, depending on the sum assured. All plans mentioned above offer different benefits, each catering to individuals with higher BMI. After assessing these options, an individual with higher BMI can select an insurance plan based on their needs.


How does BMI affect your Life Insurance?

Body Mass Index (BMI) is among the most common health parameters considered during life insurance application. It assists insurers in determining a person's weight relative to their height, which can help identify potential health dangers. For overweight people applying for life insurance, BMI is usually considered along with other health conditions like age, medical history , and lifestyle.

Insurers typically divide BMI levels into underweight, normal, overweight, or obese. Candidates who have higher BMI levels are not necessarily rejected, but their files might receive further scrutiny. Below are some ways BMI can be involved in the process:


  1. Health Risk Assessment

    • A high BMI may indicate a greater chance of developing conditions like diabetes , hypertension, etc.
    • This can affect the premium of the policy.

  2. Medical Screening Requirements

    • High BMI applicants might be required to undergo particular health tests.
    • The medical reports assist the insurers in making a well-informed decision.

  3. Premium Calculations

    • If an applicant's BMI is higher, the premium could potentially increase based on assessed risk.
    • However, BMI is just one of a number of inputs used.

  4. Eligibility and Policy Terms


    • Some plans may apply extra premiums or offer standard rates based on the applicant’s overall health.
    • Accurate disclosures may help smooth the approval process.

How to Apply for a Life Insurance Policy for Overweight People

Most people, including those with a higher Body Mass Index (BMI), go through the same application process for life insurance. Applicants who are overweight, however, might have to go through extra procedures during the medical evaluation. Understanding the standard process can help avoid delays and make the experience more transparent.

To begin with, the applicant usually selects a suitable plan based on their age, income, and life stage. This is followed by filling out an online or offline application form, which includes personal, medical, and lifestyle information. It's necessary to respond to all the questions truthfully, state your health conditions clearly, and treatment history. Insurers use this information to determine risk.

Upon application submission, the majority of insurers want a medical test. It can be a BMI test, blood work, and simple vitals. The report is then assessed during the underwriting process. If the BMI is at an elevated level but no other health risk exists, the applicant can receive standard or slightly modified premiums.

After the underwriting process is finished, the insurer provides the final terms of the policy, such as the sum assured, premium rate, and any other conditions. The applicant can then look through the terms and choose to go ahead with the purchase.

Applying for life insurance for overweight people requires diligent documentation and medical examinations, but the procedure has a definite format that enables equitable evaluation.


Conclusion

Life insurance applications are not one-size-fits-all, especially when it comes to health factors like weight. People exploring life insurance for high BMI may find that their BMI is one of the many factors considered during underwriting, along with age, health history, and lifestyle. While a higher BMI might lead to medical evaluations or changes in premiums, it does not automatically affect eligibility.

Multiple types of policies, such as term plans, ULIPs, and bundled life-health products, are available through standard channels. These are evaluated case-by-case, based on full disclosures and medical checks. Applicants with high BMI are also eligible to use the same application process, ranging from choosing a plan, providing documents, and health checks to final terms review prior to policy issuance.

Understanding the process can help individuals to make informed decisions about life insurance. With the correct documents, information, and knowledge of what insurers seek, the way to proper life cover becomes less complex, irrespective of weight.


FAQs

  1. How does being overweight affect life insurance premiums?

    Being overweight may result in higher life insurance premiums. This is due to the possibility that diseases like diabetes or high blood pressure are associated with a higher Body Mass Index (BMI). However, BMI is only one factor among many, and insurers usually assess the complete health profile. Final premium amounts are determined after reviewing age, lifestyle habits, and medical reports, which vary for every applicant.


  2. Which life insurance companies offer policies for overweight people?

    Life insurance policies are generally provided to overweight individuals with higher BMIs , but the eligibility and premium terms may differ based on the insurer’s underwriting process. Higher BMI may be evaluated differently by some insurers, who may ask for more medical data. Candidates can compare plans according to policy features, flexibility, and claim procedures. It's critical to carefully review the terms and determine whether a plan can accommodate people with a high body mass index.


  3. What factors should be considered when buying life insurance for overweight individuals?

    Age, BMI, lifestyle, pre-existing medical conditions, and the affordability of premiums are some of the factors that may be taken into account when selecting a plan. The policy's term, benefits, available riders, should all be reviewed by the applicants. Knowing what medical tests might be necessary and how BMI influences premium calculations is beneficial. Applicants can find a plan that suits their financial and personal health circumstances by comparing various policies according to these criteria.


  4. Are there specific health tests required for overweight people applying for life insurance?

    Indeed, as part of the application process, candidates with a higher BMI might be required to take particular medical exams. These typically consist of measurements of height, weight, blood pressure, and sugar levels. Depending on the applicant's age or medical history, extra testing may occasionally be recommended. Before providing coverage terms, these reports assist insurers in understanding the overall health profile. Each insurer may have different requirements for the kind and quantity of tests.

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%%Above illustration is for Bajaj Allianz Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V03) considering Male aged 25 years | Non-Smoker | Policy Term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 1,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 6,238. 2nd Year onwards premium is Rs. 6,659. Total Premium Paid is Rs. 1,99,349 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly installments (Lumpsum Payout Percentage : 45, Income Payout Percentage : 55) | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only. This is inclusive of all the discounts mentioned above.

##Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

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^^The Return of Premium amount is total of all the premiums received, exclusive of extra premium, rider premium and GST & /any other applicable tax levied, subject to changes in tax laws
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Bajaj Allianz Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V04)

*Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

~Individual Death Claim Settlement Ratio for FY 2023-2024

1Premium Holiday has to be selected at inception to avail this benefit and also depends on other policy terms & conditions


Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116


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