Can I Get Life Insurance If I Am Overweight? 
Most people can get life insurance when they are overweight . If your weight falls in the morbidly obese category , and if you are under age 45 , it is harder to find coverage than when you are older , but there are a few options . Those whose BMI -LRB- body mass index -RRB- is in the obese range will have more choices . Contrary to what generally applies to those with normal weight , sometimes a No Exam policy can be the least expensive choice for obese individuals . Not having to take an exam can also be helpful if the overweight person has not seen a doctor in a while , as it takes away the risk of the blood test showing high blood sugar , high cholesterol , or other labs sometimes associated with excess weight . No matter which route you go , consulting an agency that carries a variety of products can be helpful , so that you can be matched up with the one that has your best price . Do n't neglect to inform your agent of any weight lost in the past year , as most companies will add back half of that to your current weight , when determining your rate class . 