+96 votes
As an overweight person, I am wondering if I can still get life insurance. Are there any restrictions or additional costs involved?
by (460 points)

1 Answer

+108 votes
Best answer
Yes, you can still get life insurance if you are overweight. However, your premiums may be higher than those of someone with a healthy weight due to the increased risk of health complications. Insurance companies typically categorize individuals into different risk classes based on factors such as age, weight, and medical history. As an overweight person, you may fall into a higher risk class, which will result in higher premiums. It's important to be honest and accurate when providing your information to the insurance company, as providing false information can lead to the cancellation of your policy. To improve your chances of getting better rates, you can consider making lifestyle changes, such as adopting a healthier diet and engaging in regular exercise. These changes can help lower your risk and potentially qualify you for a lower risk class in the future. It's always a good idea to shop around and compare quotes from multiple insurance companies to find the best policy for your needs and budget. Remember to disclose any pre-existing conditions or health issues when applying for life insurance, as failure to do so can result in coverage denial or policy cancellation.
by (460 points)
selected by