Life insurance that looks
beyond your BMI
A high BMI alone rarely means automatic decline — insurers weigh your overall health, not just one number.
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Explore Your Options
Whatever you need to protect, we'll help you compare the right cover.
Life Insurance
A one-off tax-free lump-sum payment for your loved ones in the event of your death.
Learn moreCritical Illness Cover
A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.
Learn moreIncome Protection
Monthly tax-free payments if you are unable to work due to long-term sickness or injury.
Learn moreHow Cover With a High BMI Works
Tell us your height, weight and general health
Share your BMI along with any related health conditions.
We match you with insurers who assess BMI fairly
Your adviser knows which insurers look at the full health picture.
Underwriting reviews related health markers
Insurers consider blood pressure, cholesterol, and other relevant factors.
Receive a personalised quote
Get a quote based on your overall health, not a single measurement.
Key features at a glance
BMI assessed alongside overall health
Insurers look at the complete picture, not weight in isolation.
No single cut-off for automatic decline
Different insurers have different thresholds, so options usually exist.
Considers related conditions
Factors like blood pressure and cholesterol are assessed alongside BMI.
Weight loss can improve future terms
A reduced BMI over time may open the door to better rates on review.
Frequently Asked Questions
Is there a BMI cut-off for cover?
Different insurers set different thresholds, and very few apply a single hard cut-off — your adviser will find the most suitable insurer for your BMI.
Will I be loaded automatically for a high BMI?
Not always. Some insurers apply a rating only above certain thresholds, and your overall health can offset this.
Do I need a medical exam?
This depends on your age, cover amount, and BMI — some applications require a medical, including height and weight measurement.
Can my premium reduce if I lose weight?
Some insurers allow a review of your terms if your BMI and related health markers improve significantly.