High BMI Life Insurance

Get a decision
within 24hrs
Life, Income Protection &
Critical Illness Cover
Worldwide
cover options

If you are looking for financial protection for a pre-existing medical condition, please speak to one of our specialist advisers today. 

We were initially founded, over 25 years ago, to help extreme sports people find cover for their adrenaline-filled lifestyles. During this time, we have worked with many individuals with pre-existing conditions, who sought cover for their occupational and recreational pursuits.

We have recently expanded the scope of our services to bring this hard-won experience to those who have a pre-existing health condition and require assistance to explore the cover options available.  Through this natural expansion, we aim to utilise our experience and expertise to provide financial protection advice delivered with exceptional customer service.

Understanding High BMI Life Insurance

Life Insurance is an essential component of financial planning, ensuring that your loved ones are protected and financially secure in the event of your passing. However, obtaining life insurance can be challenging for individuals with high Body Mass Index (BMI). At Sports Financial Services, we understand that your High BMI should not be a barrier to securing the coverage you deserve. Our specialist advisers will be happy to discuss the options you have available for high BMI life insurance.


How does BMI affect your life insurance?

Body Mass Index is a key factor that life insurance companies consider when determining eligibility for cover. A higher BMI is often associated with increased risks of health conditions which can lead to higher premiums.

Can those with high BMI get life insurance?

There are companies that provide life insurance cover to individuals with high BMI. If you have high BMI, it is important to disclose this information to the insurer when applying for high BMI life insurance.

Individuals with high BMI may face higher life insurance premiums due to the condition being considered pre-existing and carrying various health risks. This may result in insurers charging higher premiums to account for the increased likelihood of payouts.

Different insurers assess risk differently, so exploring different options with a specialist adviser at Sports Financial Services may lead you to finding more favourable terms.

When discussing high BMI life insurance, we will take you through some key steps and request certain information about your health and lifestyle (e.g., smoking and alcohol consumption.

What Is The Maximum BMI For Life Insurance?

The maximum BMI for life insurance eligibility can vary significantly among different insurance companies, as each has its own underwriting guidelines. Generally, many insurers set a BMI limit.

It is essential to talk to one of our specialist advisers to find the right policy that accommodates to your specific health conditions, as underwriting practices can differ widely.

Can Those With High BMI Get Critical Illness Cover?

Obtaining critical illness cover with high BMI may be available under certain conditions. It is advisable to speak to one of our specialists if you have high BMI and seek critical illness cover. Our specialist advisers can discuss which insurers are inclined to offer cover at a reasonable rate.

Can Those With High BMI Get Income Protection Cover?

Income protection for individuals with high BMI is available subject to certain terms and conditions. High BMI income protection can be beneficial if you’re unable to work due to illness or injury. Insurers consider BMI when assessing the risk of offering cover and a high BMI can indicate a higher likelihood of health issues. This may result in higher premiums or additional medical examinations.

However, coverage is still possible, and working with one of our advisers who specialises in high-risk and health conditions can improve your chances of finding suitable protection. Income protection typically covers a percentage of your usual income (usually limited to 60% of your current income).

How Much Does High BMI Life Insurance Cost?

Monthly premiums are influenced by factors such as age, health, lifestyle, medical history, occupation and chosen type of cover.

Individuals with high BMI may face higher premiums, depending on their high BMI, presence of comorbidities, smoking status and any other medical conditions.

Your dedicated life insurance specialist will guide you through the enquiry process and how premiums are calculated.

What Information Is Required By Insurers?

Typical information that we will request when you enquire about high BMI life insurance includes:

  • Latest BMI reading
  • Whether you smoke and level of alcohol consumption
  • Information about any other health and high BMI-related medical complications

Contact Us Today To Discuss High BMI Life Insurance

At Sports Financial Services, we specialise in life insurance for sport, occupation and ill health, including those living with high BMI. When you enquire your specialist adviser will discuss your health and lifestyle to determine the best high BMI life insurance options for you. They will guide you through the process in order to help you find the right cover to protect you and your loved ones’ financial future.

Even if you have been declined cover in the past, please contact us, as new products may be available in the market since you last enquired. Contact us today by completing our online contact form, or call a specialist adviser on 0345 565 0935.