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Is Income Protection available for people with a high BMI?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.

Our Case Study

We were contacted by a 41 year old male looking to arrange income protection insurance. This was very important for our client because he is the sole earner in the family and has a manual job, meaning there is a higher than average chance that he could become incapacitated.
We looked into a range of options for our client, who has a BMI of 34 which is classed as obese (by the NHS).

For most adults, a BMI of:

18.5 to 24.9 means you’re a healthy weight
25 to 29.9 means you’re overweight
30 to 39.9 means you’re obese
40 or above means you’re severely obese

After carrying out extensive research, we found that all but one insurer would add a premium increase of 50% to the monthly premium. Meaning the premiums were outside of their maximum budget.

However, one insurer was able to offer the cover on standard terms at a monthly premium of £40.00 with no increases or exclusions.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

Client reference: 128157455

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Next steps

Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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