How Does Weight Affect Life Insurance Rates?

Life insurance companies consider several risk factors when determining your rate for life insurance.

Among the most important factors for pricing are your age, health, if you smoke or not, your height-to-weight ratio, occupation, hobbies, etc.

Your weight has an impact on your rate for life insurance because people who are overweight may have a shorter life expectancy, which means you won’t live as long, and therefore will be charged a higher price for your life insurance.

In addition, if you have lost a lot of weight in a short period of time this may be a red flag indicating a potential health problem. So, being overweight or severely underweight may be an issue with your life insurance company.

Learn more about high risk life insurance and which insurance carriers may offer you affordable life insurance protection.