Yes, life insurance is available for individuals with a high BMI, though premiums may be higher and the available rate classifications may differ from those offered to applicants within the normal BMI range. The key factor is that BMI is evaluated as part of a comprehensive health picture — applicants with a higher BMI but otherwise excellent health markers may receive better rates than their BMI alone would suggest.
Most carriers offer their best rates (Preferred Plus) for BMIs in the 18-27 range, Preferred rates up to BMI 29-30, Standard Plus up to 32-33, and Standard up to 35-38. Above a BMI of 35-40, many carriers apply table ratings, and above 45-50, some carriers may decline. However, these thresholds vary significantly between carriers, with some offering much more lenient BMI guidelines than others.
The presence or absence of obesity-related health conditions significantly affects underwriting outcomes. A BMI of 35 with normal blood pressure, normal blood sugar, normal cholesterol, and no sleep apnea is viewed much more favorably than a BMI of 30 with uncontrolled hypertension and diabetes. Carriers that use a "build chart" approach (evaluating BMI as one of many factors) rather than a strict BMI cutoff are more likely to offer favorable rates for individuals whose other health markers are positive.
Working with a licensed agent in our network who represents multiple carriers is especially important for higher-BMI applicants. The difference between carriers can be dramatic — one carrier's Table 4 rating might be another carrier's Standard classification for the same BMI. Having an agent who understands each carrier's BMI guidelines can save thousands of dollars over the life of a policy. All coverage is subject to underwriting approval by the issuing carrier.