Life Insurance For The Severely Overweight


The most aggressive insurance companies for people who are severely overweight or morbidly obese will continue to change…   


Whether it’s Prudential, Protective Life, Met Life, Minnesota Life, John Hancock, Banner Life, Illinois Mutual or any other companies that may have aggressive height/weight guidelines for the seriously obese right now, they may not next month. 


Not too long ago, some of the companies above used to allow about 40 pounds more than they do now, before they’d decline anyone. 


These companies must have been insuring too many overweight people and wanted to reduce that particular risk.

Life Insurance for Morbidly Obese Chart


Obtaining life insurance for the severely overweight is still possible. 


Following are the current maximum weights that can still qualify for term coverage from all of the quality term insurance companies that are most aggressive for the severely overweight.  


                      Ages 18- 59     Ages 60 and Over
5’ 0” tall-        282 pounds         282 pounds                          

5’ 1” tall-        294 pounds         294 pounds               
5’ 2” tall-        298 pounds         298 pounds                    
5’ 3” tall-        306 pounds         310 pounds                                                       
5’ 4” tall-        312 pounds         320 pounds                                   
5’ 5” tall-        318 pounds         330 pounds                                   
5’ 6” tall-        326 pounds         341 pounds                                   
5’ 7” tall-        330 pounds         351 pounds             
5’ 8” tall-        341 pounds         368 pounds                                  
5’ 9” tall-        347 pounds         372 pounds                                  
5’ 10” tall-      355 pounds         383 pounds             
5’ 11” tall-      361 pounds         394 pounds                                 
6’ 0” tall-        378 pounds         405 pounds                                  
6’ 1” tall-        385 pounds         417 pounds                                 
6’ 2” tall-        393 pounds         428 pounds                                  
6’ 3” tall-        399 pounds         440 pounds                                                
6’ 4” tall-        410 pounds         452 pounds                                              
6’ 5” tall-        422 pounds         464 pounds             
6’ 6” tall-        433 pounds         476 pounds  



If You Weigh More Than The Maximum Life Insurance Weight Limits


If you weigh more than the above, even only a pound or two more, the best insurance companies for overweight people will likely decline you.


Important to note:  Any insurance company can change their height and weight guidelines at anytime.  We shop each case thoroughly to make sure we don’t miss any updates, as we can offer you coverage from hundreds of different insurance companies.


If you do happen to weigh more than the above, you’re still insurable, as there are a few insurance companies that currently have no height/weight requirement.


While most of these companies only offer Whole Life insurance, there is currently one company that offers term life with no height/weight requirement.

Guaranteed Issue Insurance is Always a Last Resort


If you weigh more than the guidelines above and as an absolute last resort for people that are severely overweight and/or have other serious health issues, there are graded benefit term and guaranteed issue Whole Life rates available.  


You probably hear advertisement’s for this type of coverage from Colonial Penn, AARP and Gerber Life insurance company…


Don’t buy this type of coverage unless you CANNOT qualify for regular life insurance.


This type of coverage is expensive, always has a waiting period and won’t pay out full death benefit amount for death by disease/illness in the first two or three years, and it’s usually only offered at low amounts like $50,000 or less.    


It is a good thing to know that some life insurance for the severely overweight is available. 




Click the link above to get the most accurate overweight life insurance quote possible, or you can check out some of the insurance companies we can offer you by using the Instant Life Insurance Quotes tool to the right. 


Please also feel free to call us at 1-800-380-3533 or simply click here to email us with any questions or if you need more information.