Life Insurance with Obesity

Finding Cover When Weight is a Factor

If you’re living with obesity or have a higher BMI, you may wonder whether life insurance is still available. The good news is that many Australians with higher weight ranges are still able to obtain cover. At Covermate Life, we work with multiple insurers to help you find the right policy, even when weight or related health issues are a concern.

Can I Get Life Insurance if I’m Obese?

Yes, it’s possible. Insurers look at your Body Mass Index (BMI), overall health, and any related conditions before making a decision. While you may face higher premiums or specific exclusions, many people living with obesity are approved for cover every year.

What Insurers Consider

When assessing your application, insurers typically ask about:

BMI – calculated from your height and weight.
Medical history – diabetes, high blood pressure, cholesterol, or heart conditions.
Lifestyle factors – smoking, alcohol use, exercise, and diet.
Recent medical tests – GP reports, blood tests, or specialist reviews.

If your BMI is very high, you may face a loading (extra premium) or, in some cases, exclusions for weight-related health issues.

Why Work with a Specialist Broker?

Applying directly to one insurer can be stressful — especially if you’ve been declined before. At Covermate Life, we:

Work with multiple insurers to compare your options.
Know which insurers are more flexible with higher BMIs.
Help present your application clearly to avoid unnecessary declines.
Provide general advice only — so you stay in control of your choice.

Types of Life Insurance You May Qualify For

Even with obesity, you may still be eligible for:

Life Cover (Death Cover) – lump sum paid to your family if you pass away.
TPD Insurance – payout if you become totally and permanently disabled.
Income Protection – replaces part of your income if you can’t work due to illness or injury.
Trauma Insurance – lump sum payout for major health events (though some weight-related conditions may be excluded).

Tips for Applying with Obesity

Be honest – disclose your weight and medical history upfront.
Keep medical records handy – blood tests, GP check-ups, or specialist notes.
Consider lifestyle changes – insurers may look favourably on recent improvements.
Use a broker – access to multiple insurers increases your chances of approval.
Don’t assume a decline – different insurers have different BMI cut-offs.

Why Choose Covermate Life?

Access to leading insurers across Australia.
Specialists in helping people with pre-existing health conditions.
Support and guidance throughout the process.
General advice only – you stay in control of your decision.

Get Started Today

Life insurance with obesity doesn’t have to be complicated. At Covermate Life, we’ll help you understand your options, compare policies, and apply with confidence.

Call us today or request a quote online to get started.

FAQs

1. Will I pay more for life insurance if I’m obese?
Most likely. Insurers may apply a premium loading based on BMI and any related health conditions.

2. Can my application be declined because of my weight?
It’s possible with very high BMIs, but many insurers are flexible. A broker can help you find the right provider.

3. Do I need a medical exam?
Often yes. Insurers may request blood tests, GP records, or recent check-ups.

4. If I lose weight later, can my premiums change?
Sometimes. Some insurers allow reassessment if you maintain a healthier weight for a period of time.

5. Does obesity automatically exclude me from all cover types?
No. Many people with higher BMIs still qualify for life, TPD, or income protection insurance.

General Advice Disclaimer: The information on this page is general only and does not take into account your personal circumstances. You should consider whether the product is appropriate for you and read the relevant Product Disclosure Statement (PDS) before making a decision.

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