Life Insurance for overweight people
The average person's Body Mass Index (or height to weight ratio) is about 23. However even if you have a BMI of up to 55, we are still confident that we can find you life insurance.
We specialise in finding life insurance for overweight people. We can also help you with your other insurance needs, such as critical illness insurance, income protection insurance and travel insurance.
We are experts in knowing which insurers will consider your application, given your weight, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.
Whilst we can’t always guarantee that we can get you life insurance if you are overweight, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.
If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.
We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.
We have a team who are specialists in finding life insurance for overweight clients, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.
So if you want the peace of mind of having some life insurance in place, we are the people to help.
These are just two of the testimonials we have received after finding life insurance for overweight clients:
"We had difficulty securing adequate life insurance. By contacting Life Insurance Help we have now both got life cover that gives us the peace of mind we were looking for. The people at Life Insurance Help worked so hard to meet our needs, were great to communicate with, and we are both 100% happy with the service we received".
"After being refused life insurance I decided to try Life Insurance Help. The service was very quick and helpful and I now have cover. A job well done. Thanks."
So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.
Overweight Support
Besides helping obtain Life Insurance for overweight clients, we also want to provide our customers with as much help as possible in dealing with their pre-existing condition.
The two sections below, Useful Links and About the Condition, aim to do just this
We hope you find the information on this page useful, if you have any other information that you feel would be of benefit to other sufferers please let us know.
Overweight : Useful links
Support groups and useful information for people who are overweight.
Big Matters
Weight Concern
The Overweight & Obesity Organisation
National Obesity Forum
British Obesity Surgery Patients Association
British Nutrition Foundation
Weightwatchers
Slimming World
Overweight : About the Condition
If you are "overweight", you are carrying too much body fat for your height. Body Mass Index (BMI) is a measurement of your weight against your height. You can become overweight when you eat more calories than you burn off over a period of time.
In the UK, people with a BMI between 25 and 30 are categorised as overweight, and those with an index above 30 are categorised as obese. People with a BMI of 40 or more are described as morbidly obese. We are usually able to obtain Life Insurance for overweight people with a Body Mass Index of up to 55, sometimes higher.
It is estimated that more than half the adults in the UK are heavier than recommended. About 2 in 5 adults are overweight, and about a further 1 in 5 are obese. The number of obese people in the UK is rising, particularly among young adults. Since 1980, the number of obese adults in the UK has nearly tripled. This has been called the 'obesity epidemic'.
It is important to remember that there will be a range of healthy body weights or body mass index, depending on your height, age and sex. A combination of factors determines our weight or BMI, and it is therefore difficult to set an exact ideal weight that will apply to everyone. However aiming to keep within the recommended range of healthy weight, as measured by the Body Mass Index for your age and sex, is what you should aim for.
Due to the media and the images which appear of celebrities, many people have a distorted perception of what constitutes a healthy body weight or body mass index. If your BMI indicates that you are overweight, changes to your lifestyle could help to control your weight, and get you back within a healthy BMI range.
If you are overweight, it is important to think about how you can make changes to your diet and physical activity over the long term. Reducing your body mass index by losing weight should not be a quick fix, but a permanent change in your lifestyle, otherwise the weight may come back on.
If you are overweight, i.e. your BMI or body mass index is above the range which is considered healthy, you are at increased risk of diabetes, cardiovascular disease and certain cancers such as colon, prostate and breast cancer. You are also more likely to experience joint problems and back pain, and may find you become breathless and have difficulty sleeping. The more overweight you are, the more severe these problems may become. Many mainstream insurers will also turn your application for life cover down if you have a high BMI, but getting life insurance for overweight people is our speciality, so please get in touch.
For most obese or overweight people, it is said that much of the health benefits come with losing the first 5-10% of your weight. If you are obese, on average, if you reduce your weight by 10%:
- You are much less likely to develop the conditions listed above, such as diabetes.
- If you already have high blood pressure, osteoarthritis, or diabetes, these conditions are likely to improve, and you may be able to reduce your medication (although only with the consent of your doctor).
- Your chance of dying at any given age is said to reduce by about 20%. This is mainly because you are less likely to die from heart disease, stroke, diabetes, or obesity related cancers.
Losing weight and reducing your BMI depends on the balance between the amount of energy you get from the food and drink you consume, and the amount of energy that you burn through physical activity. If you consume more energy than you use, you will gain weight and your body mass index will increase.
Cutting calories by reducing how much you eat and drink, and increasing how much physical activity you do, will make you lose weight and reduce your body mass index. It is estimated that if you reduce your daily energy intake to around 500 calories below your energy requirements, you'll lose about 0.5kg (1lb) a week. This is a sensible rate of weight loss.
If you are overweight, it is crucial to set realistic goals. To lose weight - and keep it off - you'll need to make permanent changes to your diet and physical activity patterns. Think carefully about your daily routine. Keeping a diary of what food you eat, and when, as it may help you to identify patterns in your eating behaviour. This will help you to decide on realistic changes you need to make. Remember drastic lifestyle changes will be difficult to maintain over time.
About Life Insurance for Overweight People
A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.
Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.
There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.
We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.
We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.
Whatever your life insurance needs we are able to help you. We have access to all the products from all of the UK's leading insurance providers.
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