Yes. It is rare for insurers to turn someone down for weight alone. A higher weight often means a higher price class, not a no.
The CDC says about 41.9% of US adults had obesity from 2017 to March 2020. Insurers see higher weights all the time.
Each insurer has its own height and weight chart, called a build chart. The same person can land in a different class at different companies. In one example, a person 5 feet 9 inches and 200 pounds was Preferred at one insurer and Preferred Plus at another. A BMI over 40 usually means a higher price.
Weight loss counts, but slowly. If you lost more than 10 pounds in the last year, insurers often count about half until you keep it off for a year. After weight loss surgery, coverage may be delayed if you apply within 6 to 12 months.
What insurers look at
- Your height and weight on the insurer's build chart
- Related conditions like diabetes or sleep apnea
- Recent weight loss (Policygenius says insurers may count only half of a loss over 10 pounds until you keep it off a year)
- Weight loss surgery and when you had it
- Recent weight gain (they use your newest weight)
Coverage that may fit
The usual fit. Being overweight with no other health issues often still gets an affordable policy.
No exam, but you answer health questions. Coverage often reaches about $50,000, and you can still be turned down for serious conditions. Can work if weight is your main issue.
For people who cannot pass health questions. There is no exam and no health questions, coverage tops out around $25,000, and the price is high. Mutual of Omaha sells it to people 45 and older, per Policygenius. Most have a waiting period, often 2 years, before the full amount pays for a natural death (Policygenius, graded death benefit). Policygenius lists final expense as an option if you are turned down.
Common questions
Can I be turned down just for my weight?
It is rare. Insurers seldom decline for weight alone.
Should I wait until I lose weight?
Insurers may only count half of a recent loss until you keep it off a year.
What about weight loss surgery?
Coverage may be delayed if you apply within 6 to 12 months after surgery.
Sources
General information, not medical advice. Insurer rules change. An agent can tell you which companies treat your condition best.
