Term Life Insurance for Overweight Individuals

According to the BMI range, anyone within a BMI range of 25 to 29.9 would be considered overweight. This means they have a heightened risk of critical health problems and should seek medical help. Thus, it is essential to purchase a term life insurance for overweight as it can secure their and their family’s financial future. 

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Term insurance will provide you with financial help in times of need and in case of your unfortunate death, the benefit will be paid to your family to take care of their financial obligations. You should especially consider buying term life insurance if you have dependents or are the sole earner of the family. Let us see how a term life insurance for overweight can benefit you:

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Can I Get Term Insurance if I am Overweight?

Yes, you can buy term plan from one of the top insurance providers in the country whether you are overweight or obese. These term plans are available at a slightly higher premium and may not provide the same plan benefits as a regular term plan. The term life insurance for overweight generally has some exclusions and limitations in the life cover offered.

Premium Rates of Term Life Insurance for Overweight

The premium rates for term insurance for obese and overweight individuals will most likely be higher than that for an individual with a normal weight. This is because BMI in insurance plays an important role and the life insurance companies in India increase the premium rates by a certain percentage if the BMI is more than 25. Insurance companies assess the risk of the customer suffering from a critical health condition or getting diseases like cardiovascular illnesses. 

What is Body Mass Index (BMI)?

Body Mass Index is the calculation of what your ideal body weight should be depending on your height. The BMI calculator divides your weight in kilograms by the square of your height in meters. Here is the ideal BMI chart:

BMI Value Weight Status
Below 18.5 Underweight
18.5 to 24.9 Normal Weight
25 to 29.9 Overweight
30 to 35 Obese
Over 35 Morbid Obesity

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Should I Buy Term Plan if My BMI is High?

You should buy term life insurance regardless of your weight status as term insurance can secure your family’s financial safety in case of your absence. This way your family will stay financially protected in your absence and using the death benefit from the term plan, they can pay their rent, any remaining debts or loans, pay for the child’s fees and more. A higher BMI in insurance can put you at risk for a severe medical condition and a term plan can help your dependants maintain their current lifestyle. 

If you feel you can lose weight in a few months or years and can buy a new term plan at lower premiums then, you should purchase a term life insurance for overweight at the available premium rates, and after you have lost weight you can purchase another life insurance at low premiums. This will ensure your family is covered at all times in case of an eventuality. Also, it may be possible that by the time you lose weight and buy a new term plan, the offered premium rates may have increased due to an increase in age.

Other Factors That Affect the Term Life Insurance for Overweight Premium Rates

There are various other factors that affect the premium rates for term insurance for obese or overweight individuals

  • Age: The age of the customer affects the term insurance premium rates as the premiums increase with age. 

  • Family Medical History: The insurer will require your family’s medical history as it can give an insight into the potential health risks you might develop in the future.

  • Tobacco and Alcohol Use: Your lifestyle habits like smoking and drinking alcohol affect your term life insurance for overweight as many insurers offer higher premium rates for smokers and drinking individuals. Various insurance companies offer special premium prices for women and non-smoking customers.

Final Thoughts

A term life insurance for overweight can secure the financial future of your family in case of an eventuality and help you save on your yearly taxes. Thus it is always advisable to compare and purchase a term plan online to find the plan that fits your needs the best. You can compare plans on the basis of their premium rates, life cover, benefits offered, and insurers’ CSR values.

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