Life insurance rates generally rise for people who are overweight, even if they are not classified as obese, because insurers use weight‑related health risks in underwriting.
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How Insurers Define Overweight vs. Obese
Most companies rely on Body Mass Index (BMI): a BMI of 25‑29.9 is overweight, while 30+ is obese. Some also consider waist‑to‑hip ratio or recent medical tests.
Why Overweight Increases Premiums
Higher weight can signal elevated risk for hypertension, diabetes, heart disease, and sleep apnea, all of which statistically raise the chance of an early claim. Even without a diagnosed condition, the potential risk prompts insurers to add a rating.
Typical Rating Adjustments
Ratings vary by carrier, but a common approach is:
- Standard rate – healthy weight (BMI 18.5‑24.9)
- Preferred or sub‑standard – overweight (BMI 25‑29.9), often a 10‑30% premium increase
- Rated or plus‑rated – obese (BMI 30+), typically 30‑100% higher
Factors That Can Mitigate the Increase
Evidence of good health can soften the rating. Recent normal blood pressure, cholesterol, and glucose levels, a clean medical history, and a healthy lifestyle (exercise, non‑smoking) may qualify you for a smaller surcharge or even a standard rate.
Comparison of Premium Impact
| Weight Category | Typical BMI | Premium Impact |
|---|---|---|
| Normal | 18.5‑24.9 | No surcharge |
| Overweight | 25‑29.9 | +10‑30% |
| Obese | 30+ | +30‑100% or higher |