Burial Insurance for Overweight People
Being overweight doesn’t mean you can’t qualify for affordable burial insurance. Carriers understand that body mass index (BMI) is just one factor in overall health, and many offer plans with day-one coverage even if you’ve struggled with weight or weight-related conditions. At Diversified Insurance Brokers, we work with over 75 carriers to match you with companies that accept higher BMI ranges without heavy penalties.
If you’re worried about costs, check our guide to the monthly cost of a $10,000 burial insurance policy and compare real quotes instantly using the calculator below.
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Can You Get Day-One Coverage If You’re Overweight?
Yes—many carriers still approve immediate coverage for applicants with higher weight, as long as there are no severe complications. Here’s how approvals typically break down:
- Mildly overweight (BMI 25–35): Usually qualifies for level benefits with no waiting period.
- Obese (BMI 36–45): Some carriers still offer day-one coverage; others may apply small price adjustments.
- Severely obese (BMI 46+): More limited, but guaranteed issue policies ensure you can still get coverage.
Weight-related conditions like high blood pressure and diabetes are also considered. For example, see how carriers approach burial insurance for people with high blood pressure and life insurance for diabetics with complications.
Underwriting Factors Carriers Look At
When reviewing an application, insurers focus less on weight alone and more on:
- Mobility: Ability to perform daily activities without assistance.
- Stability: No recent hospitalizations for heart failure, COPD, or uncontrolled diabetes.
- Medications: Routine prescriptions for blood pressure or cholesterol are usually fine.
- Other health history: Conditions like past strokes or kidney disease may weigh more heavily than weight itself.
If you’ve faced denials in the past, we can help—similar to how we secure approvals for clients needing burial insurance with multiple sclerosis.
Case Study: Burial Insurance for a 64-Year-Old Man, BMI 42
Profile: 64 years old, BMI 42, taking medications for cholesterol and blood pressure. No recent hospitalizations. Wants $15,000 in burial coverage.
Solution: We placed him with a carrier that approves day-one coverage up to BMI 45. His monthly premium was slightly higher than standard, but still affordable and fully protected from day one.
Outcome: His family now has guaranteed funds for final expenses, without worrying about waiting periods or exclusions.
Tips for Securing the Best Burial Insurance Rates
- Apply sooner rather than later: Age increases premiums faster than weight does.
- Work with specialists: Agencies like ours know which carriers are most lenient on BMI ranges.
- Consider coverage tiers: Even if only graded coverage is available today, we can re-shop for level benefits in the future.
- Review related conditions: Explore guidance on burial insurance after a heart attack to understand how carriers weigh medical history alongside BMI.
FAQs: Burial Insurance for Overweight People
Can I get day-one coverage if I’m obese?
Yes, many carriers offer level benefits up to certain BMI thresholds, often as high as 45.
Will I pay more because of my weight?
Sometimes. Premiums may be slightly higher, but weight alone doesn’t always trigger big increases.
Is guaranteed issue my only option?
No, guaranteed issue is a fallback. Many overweight applicants qualify for standard burial insurance.
Do I need a medical exam?
No. Burial insurance is simplified issue—just health questions, no exams or labs.
What if I have other conditions?
High blood pressure or diabetes is common and usually acceptable. We’ll find the right fit.
How much coverage should I buy?
Most families choose $10k–$25k. Use our calculator to compare costs by age and amount.
Can I upgrade coverage later?
Yes. You can apply for additional coverage later, though premiums will be based on your age at that time.
Is burial insurance available in every state?
Yes. We’re licensed in all 50 states and can match you with nationwide carriers.
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