Complete Financial Questionnaire

How do You Know if You’re Overweight for Life Insurance or Mortgage Protection?

30-second summary

Generally:

  1. The standard price for life insurance and mortgage protection is possible if your BMI is less than 32 and you’re otherwise in perfect health.
  2. BMI of 32 to a BMI of 45 (females) and 40 (males), you’ll get cover provided you have no other health issues.
  3. The higher your BMI, the higher your premium. A BMI of 32+ will pay 50% more, a BMI of 45 may pay three times the normal price.
  4. Up to a BMI of 40, you should be able to get mortgage protection without the need for a nurse medical (insurer-dependent)
  5. Females with a BMI of over 45 and males with a BMI of over 40 – possible but difficult to get cover, depends on age, smoker status, any other health issues (BP, cholesterol)

how BMI affects life insurance text on image of healthy food bowl

Medical Issues & Life Insurance
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Life Insurance and Sleep Apnoea

Your chances of getting cover if you have sleep apnoea depends on the severity.

If it's mild, you'll get the normal price.

If moderate, you will pay more.

If it's severe, some insurers will decline your application.

Make sure you apply to the most understanding insurer.

Don’t know where to start?

Have a nose through our free life insurance guides

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Life Insurance Quotes - Free and Easy!

As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

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