When applying for life insurance, there are a number of different factors that are reviewed by the underwriters. This is because the insurer wants to be sure that it is not taking on too much of a risk with each applicant for coverage.
There are a number of different health conditions that are likely to deem an applicant as uninsurable. Likewise, there are certain health issues, as well as participation in dangerous occupations and hobbies, that can render a person eligible for coverage, yet will require them to pay a higher amount of premium in return for the insurer taking on the higher risk.
Certainly, an applicant’s weight is a pertinent factor when considering an individual for life insurance coverage – especially as it compares to the person’s height. For instance, an applicant who is 185 pounds and 5 foot 10 inches tall will be viewed much differently by the underwriters than someone who is 185 pounds but only 5 foot 4 inches tall.
Even for those who are otherwise healthy, being overweight can have a negative effect on how much you pay for life insurance premiums, as the more you weigh, the more premium you are likely to be charged for your coverage.
How Life Insurance Rates Are Determined
When determining life insurance premium rates, insurers will typically use a height and weight chart. Although the actual guidelines will differ somewhat from one insurer to another, each company has a “build chart” that shows the ideal weight for males and females at various heights.
Depending on where a person falls in terms of their height and weight, they could be considered a Standard – or average. However, if they weigh more than the insurance company deems is appropriate for their build, it could knock them into the Substandard category.
If you weight is more than what the insurance company’s chart shows for your height due to muscle or big bones, however, you could be being penalized with a higher premium rate, even though you are technically not overweight or obese.
The good news is that there are some things that you can do in order to still obtain the life insurance coverage that you need without having to pay more premium for your policy. Doing so can end up saving you a great deal of money over time.
First, if you are big boned or muscular and you are applying for life insurance, it is important that you find an insurer that will consider your waist and chest measurements in order to help with determining whether your are simply overweight, or you are in fact just muscular or big boned. This can substantially help your chances of approval, as well as keep your premium cost down.
In addition, prior to turning in your application, it is also important that you note either directly on the application itself or a separate sheet of paper the fact that you are muscular or big boned. Providing a photograph could also be helpful. By offering as much information as possible, you will assist the underwriters in getting the clearest picture possible of your overall condition and health.
One way that you can save money is by spending time losing a few extra pounds by a healthy diet and exercise. Aside from helping you lose weight, both of these will also help lower your blood pressure and your heart rate. All of these are going to help you secure loser rates for your insurance coverage.
Your weight is only one of the few factors that your insurance company is going to look at when calculating how much of a risk you are to insure. There are several things that you can do to improve your chances of getting affordable life insurance.
One of the best things that you can do is cut out any cigarettes or chewing tobacco that you currently use. Being listed as a smoker on your insurance policy is going to cause your premiums to go through the roof, regardless of the rest of your health or your weight. In fact, smokers are going to pay twice as much for life insurance versus what a non-smoker is going to pay. It’s time that you dropped that bad habit once and for all.
How to Get Life Insurance for Big Boned and Muscular People
When seeking out the appropriate life insurance company for your coverage, InsureNow 365. We work with many of the top rated life insurance companies in the marketplace, and we’re familiar with which companies are more apt to take on various risks. With that in mind, we can help to point you in the right direction to apply for your coverage – essentially saving you both time and frustration throughout the application process.
Prior to applying for coverage, it is always wise to obtain and compare premium quotes from several life insurers. That way, you can be sure that you are getting the policy that is right for you and for your budget.
In order to begin the policy and premium quote comparison process, just use the form on this page to get started. In addition, should you have any questions regarding life insurance, premiums, or underwriting, please don’t hesitate to contact us directly by calling 888-229-7522 and we will be happy to help.
Just because you’re muscular or big boned doesn’t mean that you should be penalized from getting life insurance – or even have to pay higher premium amount. So let us help you to find the coverage that you need at a fair premium price.
Regardless of your size, or any pre-existing conditions that you have, you can get affordable and quality life insurance protection for your family. Our independent insurance agents have years of experience working with dozens of highly-rated companies across the United States. We can save you both time and money on your life insurance plan. We know which companies are going to give you the best rates for anyone that is bog boned or muscular. There are some companies that are going to get you much higher rates because of your weight, but we can find the most affordable plan for you.
You can’t predict the future, but you can always plan for the worst. One of the best ways to do this is by having the life insurance protection that your family will need if anything tragic were to happen to you. Our agents can help you find the best plan at an affordable rate.