Can I get life insurance if I'm overweight?

Life insurers use BMI as one health signal, but it is never the only factor. Most carriers accept applicants well into the overweight range at standard rates, and the picture matters more than a single number.

As BMI climbs higher, insurers factor in related conditions such as high blood pressure, sleep apnea, or diabetes. If those are controlled, coverage is still very achievable.

Term life is available and is usually the most affordable path for applicants who are otherwise healthy. No-exam and simplified issue policies are another option if you want to skip the medical exam, though they often carry higher rates or lower coverage limits.

A small weight loss or improvements in blood pressure can move you into a better rate class, but you do not have to wait to get covered.

Because carrier weight guidelines differ, an independent agent comparing 30+ insurers can find one whose underwriting treats your profile fairly. Avoid applying to many carriers blindly, since each one is a separate inquiry.