Life insurance when obese

[fly]

Anyone have any experience with getting life insurance when very overweight?

BMI around 49, age early 30s and only looking for 5 years cover while losing weight (have life insurance already arranged since a few years ago when several stone lighter, but that wouldn't be valid now with the weight put on - just looking to cover the gap until back at previous weight)

There are no online quotes available due to the BMI, so rather than going through everything 20 times on the phone - has anyone got any recommendations?

[TwigtheWonderkid]

fly said:

Anyone have any experience with getting life insurance when very overweight?

BMI around 49, age early 30s and only looking for 5 years cover while losing weight (have life insurance already arranged since a few years ago when several stone lighter, but that wouldn't be valid now with the weight put on - just looking to cover the gap until back at previous weight)

There are no online quotes available due to the BMI, so rather than going through everything 20 times on the phone - has anyone got any recommendations?

If you told the truth about your weight when you took the existing policy out, it probably is still valid. It's a contract, just like any other. Life insurance is normally based on the circumstances at the point of inception. If you then go on to get cancer, or put on weight, or take up base jumping, it's still valid. Read your policy. If it excludes cover having put on weight, it'll have to say so as part of the contract.

[anonymous-user]

Crikey, how did you manage to get so obese so young and over a few years?

[Audis5b9]

fly said:

Anyone have any experience with getting life insurance when very overweight?

BMI around 49, age early 30s and only looking for 5 years cover while losing weight (have life insurance already arranged since a few years ago when several stone lighter, but that wouldn't be valid now with the weight put on - just looking to cover the gap until back at previous weight)

There are no online quotes available due to the BMI, so rather than going through everything 20 times on the phone - has anyone got any recommendations?

From my experience trying to do the same, most companies BMI limit is 46, some is 40 since COVID.

Keep us updated if you find any that will cover you.

[Caddyshack]

TwigtheWonderkid said:

fly said:

Anyone have any experience with getting life insurance when very overweight?

BMI around 49, age early 30s and only looking for 5 years cover while losing weight (have life insurance already arranged since a few years ago when several stone lighter, but that wouldn't be valid now with the weight put on - just looking to cover the gap until back at previous weight)

There are no online quotes available due to the BMI, so rather than going through everything 20 times on the phone - has anyone got any recommendations?

If you told the truth about your weight when you took the existing policy out, it probably is still valid. It's a contract, just like any other. Life insurance is normally based on the circumstances at the point of inception. If you then go on to get cancer, or put on weight, or take up base jumping, it's still valid. Read your policy. If it excludes cover having put on weight, it'll have to say so as part of the contract.

Yes, this is 100% correct, as long as told truth when taken out.

[Badda]

lord trumpton said:

Crikey, how did you manage to get so obese so young and over a few years?

Eating in excess of what the body’s using is I’d imagine.

[fly]

Caddyshack said:

TwigtheWonderkid said:

If you told the truth about your weight when you took the existing policy out, it probably is still valid. It's a contract, just like any other. Life insurance is normally based on the circumstances at the point of inception. If you then go on to get cancer, or put on weight, or take up base jumping, it's still valid. Read your policy. If it excludes cover having put on weight, it'll have to say so as part of the contract.

Yes, this is 100% correct, as long as told truth when taken out.

Thanks both, very helpful!

[fly]

lord trumpton said:

Crikey, how did you manage to get so obese so young and over a few years?

Was already far too heavy before, but apparently within the threshold of most normal life insurance providers.

[TwigtheWonderkid]

Badda said:

lord trumpton said:

Crikey, how did you manage to get so obese so young and over a few years?

Eating in excess of what the body’s using is I’d imagine.

That would be my best guess too.

[anonymous-user]

fly said:

lord trumpton said:

Crikey, how did you manage to get so obese so young and over a few years?

Was already far too heavy before, but apparently within the threshold of most normal life insurance providers.

With absolutely no intention of being rude or trying to offend; why not do something about it?

There's many ways to get active, improve the diet and start losing weight.

Once begun is half done!

[TwigtheWonderkid]

lord trumpton said:

fly said:

lord trumpton said:

Crikey, how did you manage to get so obese so young and over a few years?

Was already far too heavy before, but apparently within the threshold of most normal life insurance providers.

With absolutely no intention of being rude or trying to offend; why not do something about it?

There's many ways to get active, improve the diet and start losing weight.

Once begun is half done!

If you read the opening post, this is exactly what he intends to do.

[Psycho Warren]

Is it still the same that without life insurance you pretty much cant get a mortgage too? That could be a good reason to shift it.

[KingofKong]

TwigtheWonderkid said:

lord trumpton said:

fly said:

lord trumpton said:

Crikey, how did you manage to get so obese so young and over a few years?

Was already far too heavy before, but apparently within the threshold of most normal life insurance providers.

With absolutely no intention of being rude or trying to offend; why not do something about it?

There's many ways to get active, improve the diet and start losing weight.

Once begun is half done!

If you read the opening post, this is exactly what he intends to do.

Yeah, but he’s too busy being sanctimonious to bother reading the thread properly.

Good luck op

[TwigtheWonderkid]

Psycho Warren said:

Is it still the same that without life insurance you pretty much cant get a mortgage too?

Depends on the mortgage to house value ratio.

[Jaaack]

You can shift the weight MUCH quicker than 5 years mate!

Have you looked into keto? Loads and loads of success stories and before/afters on Reddit, and there's a 100+ page thread on here.

I started in early December at 135kg and this morning I weighed 123.1kg. BMI has gone from 39 to 35.

Some of the before/afters on Reddit are almost unbelievable, people going from absolutely enormous to looking normal and healthy in 1-2 years.

The sooner you do something about your weight, the sooner you'll add years to your life. I'm annoyed it took me so long to pull my finger out but I'm glad I have now. No time like the present

[dalenorth]

Sorry only just seen this and we can help. Life insurance is underwritten at the time of application so no worries about your old policy being invalid.

We broker policies for people with ill health, BMI etc and we would look at a non standard policy as your L&G and Aviva’s won’t do it.

Drop me a Pm if you’d like one of my advisers to help out.