How Much Does Your Weight Affect Life Insurance? 
Being overweight affects life insurance differently , depending on what type of policy you are getting . If you are getting a No Exam policy that gives you a set rate just for qualifying , then your weight will not make a difference , just as long as you do not weigh over the maximum amount . Some policies have no weight limit at all . If you are applying for a policy that does require medical underwriting , fluctuations of just a few pounds can cause your rate to go up . If you start out just slightly overweight , this increase may not make a lot of difference , or you may even find one company that will rate you much lower than the rest . But if you are quite overweight , the price increase can be large , or you can even be declined . Weight is one of those areas where it really helps to shop around . Not only do different companies have different weight charts , but sometimes going with a No Exam policy can beat the price of one requiring an exam , when the applicant is overweight or obese . Using an agency that specializes in overweight life insurance can certainly help save time , money and frustration . 