June 22, 2021

Do you suffer from anxiety and a higher than average BMI?

Our Client

We were approached by Miss S who was in the process of purchasing a new home. She didn’t have any life cover in place and needed funds to cover the mortgage should she pass away. She had previously come up against difficulty in finding cover on her own and so came to us for help. Miss S was suffering from ongoing anxiety and a BMI of 42. Her anxiety is well controlled, she is taking Sertraline and her anxiety was not linked to any specific event.

According to the NHS, a BMI between 18.5 and 24.9 is considered healthy. (Nov 2018).

We suggested a decreasing term policy to cover her mortgage but also provided premiums on a level term policy.

A decreasing term policy is sometimes chosen by people who want to cover the amount outstanding on a repayment mortgage. The sum assured reduces in line with the total mortgage owed. If you choose a decreasing sum assured, your premium will remain level. This is usually the cheapest way to protect a mortgage.

Level term cover can also be taken out to provide a lump sum to pay off the mortgage. The amount insured matches the outstanding mortgage and will remain the same for the term of the policy. This means that on a repayment mortgage as the mortgage reduces over time an increasing amount of sum assured will remain and can be left as a legacy.

Once we looked at the quotes for both types of life insurance, there was very little difference in premium.

Sadly, Critical illness cover and Income protection were not possible due to our client’s high BMI. Whether it seems fair or not, all Insurance Providers will take into account your BMI. Most ‘high street’ providers would decline an application for life cover if someone has a BMI of 45 or over.

Our Process and advice

At Future Proof, we have access to specialist insurance companies that don’t deal directly with the public. These companies offer more specialised policies, designed to provide cover where other major providers can’t.

Our research process involves us contacting many insurers to find out the best possible outcome for our clients. Which avoids any nasty shocks later on during the underwriting process.

Would the insurer add a ‘loading’ to their standard premium? (this is an additional sum charged on top of their standard monthly premium to reflect their additional risk). Or, exclude a condition?

Might they decline the application? We want to avoid wasting time by making applications that may be declined.

We have up to date knowledge of the ever-changing landscape of underwriting for all providers in the UK. Future Proof is committed to thorough research so that you don’t have to. What’s more, our advice comes at no obligation and with no hidden costs.  You don’t pay us directly but we get paid by the insurer if you decide to start a policy with them.


In our research, we came across a few insurers who not accept our client’s application based on her BMI.

Eventually, we found one high street insurer that would accept our client with a 75% increase to her monthly premium. The loading was based on her BMI and not her anxiety.

Our client is the happy owner of a level term policy insuring £166,400 over a term of 30 Years at a monthly premium of £10.92 including the loading.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

We can help you get cover if you have a BMI of up to 55.

We are now able to help applicants with a BMI of up 55 secure cover, albeit with an increased premium. If you contact us, we will carry out thorough research and will provide you with an accurate estimate of the final premium, before you make an application. This will help you (and us) to avoid wasting time and will help you to avoid any nasty shocks later on.

Client id: 167287339

Next steps

Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.

Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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Please feel free to read our Independent client reviews, or read about the team at Future Proof

Jon’s moving story – being diagnosed with cancer

The protection industry pays out over £5.7bn in claims in 2019

What questions will an adviser ask me?

Will my claim be paid?

Why you can trust Future Proof.

The benefits of an index-linked insurance policy

Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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