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According to the BMI range, anyone within a BMI range of 25 to 29.9 would be considered overweight. This means they have a heightened risk of critical health problems and should seek medical help. Thus, it is essential to purchase a term life insurance for overweight as it can secure their and their family’s financial future.
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Term insurance will provide you with financial help in times of need and in case of your unfortunate death, the benefit will be paid to your family to take care of their financial obligations. You should especially consider buying term life insurance if you have dependents or are the sole earner of the family. Let us see how a term life insurance for overweight can benefit you:
Term Plans
Yes, you can buy term plan from one of the insurance providers in the country whether you are overweight or obese. These term plans are available at a slightly higher premium and may not provide the same plan benefits as a regular term plan. The term life insurance for overweight generally has some exclusions and limitations in the life cover offered.
Note: Know what is term insurance first and then buy a term plan for your loved ones.
The premium rates for term insurance for obese and overweight individuals will most likely be higher than that for an individual with a normal weight. This is because BMI in insurance plays an important role and the life insurance companies in India increase the premium rates by a certain percentage if the BMI is more than 25. Insurance companies assess the risk of the customer suffering from a critical health condition or getting diseases like cardiovascular illnesses.
What is Body Mass Index (BMI)?
Body Mass Index is the calculation of what your ideal body weight should be depending on your height. The BMI calculator divides your weight in kilograms by the square of your height in meters. Here is the ideal BMI chart:
| BMI Value | Weight Status |
| Below 18.5 | Underweight |
| 18.5 to 24.9 | Normal Weight |
| 25 to 29.9 | Overweight |
| 30 to 35 | Obese |
| Over 35 | Morbid Obesity |
Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying.
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You should buy term life insurance regardless of your weight status as term insurance can secure your family’s financial safety in case of your absence. This way your family will stay financially protected in your absence and using the death benefit from the term plan, they can pay their rent, any remaining debts or loans, pay for the child’s fees and more. A higher BMI in insurance can put you at risk for a severe medical condition and a term plan can help your dependants maintain their current lifestyle.
If you feel you can lose weight in a few months or years and can buy a new term plan at lower premiums then, you should purchase a term life insurance for overweight at the available premium rates, and after you have lost weight you can purchase another life insurance at low premiums. This will ensure your family is covered at all times in case of an eventuality. Also, it may be possible that by the time you lose weight and buy a new term plan, the offered premium rates may have increased due to an increase in age.
There are various other factors that affect the premium rates for term insurance for obese or overweight individuals
Age: The age of the customer affects the term insurance premium rates as the premiums increase with age.
Family Medical History: The insurer will require your family’s medical history as it can give an insight into the potential health risks you might develop in the future.
Tobacco and Alcohol Use: Your lifestyle habits like smoking and drinking alcohol affect your term life insurance for overweight as many insurers offer higher premium rates for smokers and drinking individuals. Various insurance companies offer special premium prices for women and non-smoking customers.
A term life insurance for overweight can secure the financial future of your family in case of an eventuality and help you save on your yearly taxes. Thus it is always advisable to compare and purchase a term plan online to find the plan that fits your needs the best. You can compare plans on the basis of their premium rates, life cover, benefits offered, and insurers’ CSR values.
Note: Check out the best term insurance plan in India and choose one that suits your requirements.
Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
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