Quick answer · Weight & high BMI
Which life insurance fits someone with a high BMI?
Build charts vary widely between carriers, so the same height and weight can be standard at one company and a decline at another. Fully underwritten coverage is worth trying first, and simplified issue whole life is the fallback when the build chart runs out.
Which coverage paths can you discuss with a licensed agent?
- 1
Fully underwritten term or whole life
Your build fits a generous carrier's chart and you want the best cost per dollar.
- 2
Simplified issue whole life
Your build exceeds most charts, or diabetes and blood pressure are also in the file.
- 3
Guaranteed issue whole life
Build is beyond every chart, or a recent weight-related hospitalization.
Which coverage limitations should you check?
A single build chart should never be treated as the market's answer — this is the clearest case for shopping carriers.
When can life insurance coverage start?
Standard timelines; no additional delay from build alone.
Frequently asked questions
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions and product availability are set by each carrier and vary by state, age, and health history.