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How Being Overweight Can Affect Your Life Insurance Premiums

If you or a loved one is overweight or obese, you can get life insurance. However, obesity is one of the most difficult challenges to overcome when trying to find affordable life cover.
Fact Checked

Updated: 20 May 2024

Life insurance companies base your premium rate on your life expectancy. Coronary heart disease is the leading cause of death in Australia, followed by dementia, and stroke (Australian Institute of Health and Welfare, 2017). Obese men and women have higher risks of developing these diseases, as well as specific cancers, type 2 diabetes and kidney disease.

Whether or not you’ll pay higher premiums as a result of being overweight depends on a number of factors, including your age, gender, the cover amount you’ve chosen and the insurer.

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Can an obese person get life insurance?

Yes, an obese person can generally get life insurance. However, you might have to pay more for your policy than a person within a normal weight range. This is because the life insurance industry views this as a serious health condition. If you are categorised as obese, you are seen as a higher risk individual who might be more likely to claim in future.

How does weight affect life insurance rates?