Burial Insurance for Overweight Issues

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It is possible to get burial insurance for overweight issues. But a lot of funeral companies have build charts that determine the weight and height of applicants that they will accept. 

You can qualify for insurance regulations having the least rates if you avoid providers that inquire about your weight and height.

Some insurance providers will provide great rates for overweight issues. When it comes to being on the good side, some life insurance companies are more lenient than others.

No matter your weight, you’ll not have to take a medical exam if you apply to the proper insurance company. You just need to answer some questions about your general health to get the best pricing.

Unless you have severe weight-related health issues that limit your mobility, you will likely be accepted for insurance coverage. Athletes, who have a high BMI but low body fat percentage, will probably receive credits from an insurance provider to qualify for insurance ratings.

How Weight Affects Insurance Rates

Insurance companies determine your rating category and therefore the prices you qualify for, based on a build chart similar to that of a BMI. The rating categories include:

  • Preferred Plus: This is for those who have great health with no history of medical problems.
  • Preferred: If you have had a minor medical condition or have a family history of moderate conditions, but are in great health, you will probably qualify for this rating.
  • Standard Plus: This health class includes people with good health but with a negative history in their family or one condition that exempts them from getting a higher rating.
  • Standard: This is for those with average health that may have some common but manageable health conditions such as blood pressure or high cholesterol.
  • Table Ratings: It is for high-risk applicants and it is mostly priced according to table ratings. Unless you have a high BMI, it is almost impossible to get a table rating for life insurance based on only your weight.

For each category, a burial insurance giver will have lowest and highest weight limits for a particular height, but your gender and age may also play a role.

Some companies apply unisex weight chart, which favors females that may be overweight, since the range of acceptable ratios is higher for men.

Also, other providers take age into account, which favors younger applicants that are overweight, because the ideal weight range for a particular height is broader as you get older.

How Obesity Affects Insurance

Insurance providers care about obesity because obesity is linked to health conditions and can predispose you to many illnesses. The Center for Disease Control and Prevention states that being obese raise your mortality risk for health conditions such as:

  • Cancer
  • Stroke
  • Diabetes
  • Kidney disease
  • Liver disease
  • Heart disease
  • High blood pressure
  • Sleep apnea
  • High cholesterol
  • Osteoarthritis

If you have any past health problems due to obesity, the companies offering insurance will demand to know about it before giving you an approved application.

Insurance and Build Charts

A build chart is used as a guideline in the minimum and maximum weight per height by insurance companies.

Any insurance company that has a build chart has a section on the application where you will be required to mention your weight and height.

However, some insurance companies don’t even have charts at all. Other insurance companies build charts that are more lenient than others.

Underwriting Funeral Insurance for Overweight Issues

Underwriting in life insurance aims to know your risk level. Having too much weigh increases a person’s risk of having health conditions; this raises the risk of life insurance companies having to pay out earlier than normal.

Underwriting for burial insurance is not the same as traditional life insurance. Traditional term life demands to know your weight because your weight can show your general health. To determine your rate, they will ask about your BMI.

Burial insurance for overweight issues has different underwriting. Some will ask about your weight and height, but even at that, they are lenient with weight issues.

However, there are insurance providers without build charts; so, they will not care about your weight.

Factors That May Affect Your Eligibility for Burial Insurance

Overweight individuals are not automatically disqualified from getting cheap burial insurance coverage based on their weight, however, they may be disqualified because of other medical conditions linked to their weight.

Having a recent stroke, cancer, or heart attack, will affect the kind of insurance policy you’ll be eligible for and the amount you’ll pay.

If you any of these conditions, discuss your options with your insurance provider.

Another factor that could affect your eligibility if you’re overweight is if you have difficulty walking.

If you’re too heavy and require assistance in doing your daily activities, you may not qualify for the best burial insurance plan with the best rate.

Insurance companies use six daily activities to determine your mobility and decide if you will qualify for first-day coverage. These are:

  • Eating: using utensils, feeding tube, or intravenously
  • Bathing: safely washing your body and getting in or out of the shower or bathtub
  • Dressing: putting on and taking off braces, clothes, fasteners, and prosthesis
  • Toileting: getting on and off the toilet and performing personal hygiene
  • Transferring: moving in and out of a chair, bed, or wheelchair
  • Continence: controlling your bladder and bowel functions

If you are overweight and need help with any of these activities, you’ll not be eligible for first-day coverage, even if the provider doesn’t have a build chart.

How Obesity Impacts Insurance Costs

Providers will increase premiums if you are significantly obese, but every insurance company has their approach to calculating cost.

This makes it hard for people to navigate the insurance marketplace to get cover at good rates.

There are several associated risks and medical complications linked to being obese. It is because of these risks that an insurance provider raises the levels of premium to people who are seen as being obese.

The real increase depends on your lifestyle factors, BMI, and medical history.

The process of determining if someone is overweight today is by calculating the Body Mass Index (BMI) of that person.

This can be done by dividing their weight by their height. BMI figures are as follows:

  • Underweight: less than 17
  • Normal: from 18 to 25
  • Overweight: from 25 to 30
  • Obese: figures from 30 to 40
  • Morbidly Obese: higher than 40

Overweight Issues and Burial Insurance Companies

Many burial insurance companies will have their guidelines for weight and height ratio. However, few providers don’t weight to height limit at all.

You can weigh as much as the whole couch and still qualify for the burial insurance with the lowest premiums.

Almost all of the burial insurance companies have low weight limitations. You can be overweight and still you won’t get penalized to pay more.

Weight Loss Medications

Currently, there’s no prescription drugs that can provide weight loss that can be a concern for insurance companies. You can take any prescribed drug for losing weight, and it will not be a problem with burial insurance providers.

How to Find the Best Burial Insurance for Overweight Issues

Below are some qualities you need to look for in a burial insurance plan and the insurance provider that provides it when concerned about your weight.

  • The insurance provider having the lowest monthly premium for a simple plan.
  • The provider that gives the best plans for various situations being obese.
  • The insurance policy should contain the biggest benefit payment that can immediately protect a person from obesity.
  • The burial insurance provider doesn’t mind that a person has been hospitalized in the past 12 months.
  • The provider should not have a problem with you requiring ADL assistance due to your weight.

When you are ready to begin the process, call us today to compare quotes for overweight life insurance from all of the top companies. We will recommend a policy that is best suited for your situation.

About Al Kushner
Al Kushner
He is a recognized financial educator, best-selling author, speaker, underwriting specialist and the founder & CEO of Superior Mutual, an independent insurance agency. He has helped families and individuals preserve, protect, and pass on a legacy since 1986. His mission is helping hard working seniors keep more of what they have worked a lifetime to save.

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