Key takeaway
Canadians with obesity or a high BMI can still qualify for life insurance, but premiums may be higher and underwriting more detailed. Some insurers are more flexible than others, and no‑medical products can help when traditional underwriting is difficult.
How BMI affects underwriting
Insurers use build charts that combine height and weight to estimate risk. Mild to moderate obesity often leads to small rate increases; more severe obesity may lead to higher ratings or product restrictions.
BMI is not the only factor. Blood pressure, cholesterol, blood sugar, and mobility all matter. Applicants with strong lab results and good activity levels can still receive favourable offers, even at higher BMIs.
Traditional vs no-medical options
If your BMI is high but you have good overall health markers, fully underwritten policies may still offer the best pricing. This involves a medical exam and lab tests.
If you have multiple health issues or prefer to avoid exams, simplified or guaranteed issue products provide an alternative. They cost more per dollar of coverage but are often easier to obtain.
What to disclose on your application
Always provide accurate height, weight, and medical history. Under‑reporting weight or omitting related conditions (like sleep apnea or type 2 diabetes) can jeopardize future claims.
If you are actively improving your health, share details: weight‑loss progress, exercise routines, and follow‑up notes from your doctor. Some insurers are open to reconsideration after sustained improvement.
Tips for finding a flexible carrier
Work with an advisor or comparison platform that has experience placing high‑BMI cases. They can steer applications toward insurers with more generous build charts.
Compare multiple quotes — premium spreads for the same BMI can be large. The cheapest carrier for one BMI range may not be cheapest for another.
Frequently asked questions
Will I be declined for life insurance if I have obesity?
Not necessarily. Many applicants with obesity are approved, sometimes with higher premiums. Declines usually occur when multiple risk factors combine (severe obesity plus uncontrolled conditions).
Should I lose weight before applying for life insurance?
If weight loss is already in progress and sustainable, it can help. However, waiting too long exposes you to the risk of new health issues. In many cases it's better to secure coverage now and request reconsideration later if your health improves.
Are there special life insurance products for plus-size Canadians?
There are not separate 'plus‑size' policies, but some insurers and no‑medical products are more flexible for higher BMIs. Experienced advisors know which carriers are likelier to approve these cases.