Can Morbidly Obese People Get Life Insurance? 
Yes , you can get life insurance if you 're overweight . The height/weight profile is one of the biggest factors in the underwriting process - it 's one of the first risk measurements used by insurance companies to determine what risk class the carrier will assign and what rates to charge . The acceptable height/weight range for each risk class can vary substantially from company to company . If you are considered overweight , life insurance companies will want to know the following information to make an accurate risk assessment : 1 -RRB- What is your current height/weight ? 2 -RRB- Have you gained or lost more than 20 pounds in the past year ? Is your weight stable ? 3 -RRB- Are you a smoker or use tobacco products ? 4 -RRB- Are you being treated for high blood pressure or cholesterol ? 5 -RRB- Have you had any abnormal lab results ? 6 -RRB- Any history of cancer or heart disease in the immediate family before age 60 ? 7 -RRB- Do you have any co-morbid conditions , such as diabetes , heart disease , sleep apnea , tobacco use , etc ? Obesity is a condition which can receive favorable underwriting a few companies may also be able to offer a standard rate even when a table rating would normally apply if you purchase permanent insurance instead of term insurance through a table reduction program . Table ratings require an extra premium compared to a standard rate . An example would be a Table D / Table 4 rate would be approximately two times the standard rate . If you are overweight , you should NOT apply with multiple companies at the same time . The more companies that give you a table rating or decline coverage on a formal application , the less likely you are to get a better offer ! You need the help of an independent life insurance agent that can shop your medical profile informally -LRB- no personal information is revealed to the insurance companies , just a general medical profile -RRB- . Feel free to send me a message using the `` contact me '' button if you have any other questions . 