Life Insurance - Kotak Life Insurance Company in India

Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term Plan

Protect Your family’s financial future with Kotak e-Term Plan. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and insurance in one premium. Know more

Kotak e-Invest

Insurance and investment in one plan with Kotak e-Invest. Know more

Kotak Health Shield

Insurance against medical expenses related to heart, brain, liver and Cancer. Know more

Life Insurance for Overweight Applicants

Life Insurance for Overweight Applicants
  • 18th Nov 2019 |
  • 7,173

Obesity has become a serious global problem, and this health condition is on the rise in India as well. Obesity is a medical condition, which causes multiple health hazards. The Body Mass Index (BMI) of an individual is the ratio of the person’s weight to height. A BMI of 30 is considered to be the threshold for obesity. If an individual has a BMI between 25 to 30, he or she is considered to be overweight. Various reasons can result in obesity. These can be genetic or a result of another health condition. Obesity can also occur due to bad metabolism, junk food, and an inactive lifestyle.

Obesity can result in diabetes, heart diseases, hypertension, angina, and respiratory issues, various health problems. These can effectively shorten your life.Hence, if you are obese, you need to consider buying life insurance for overweight people.Your weight can certainly impact your life insurance premium. So, before you buy a life cover, understand how your body weight affects it.

Life insurance premium for overweight people

If you are overweight, you need to compromise on your life insurance plan when it comes to the premium aspect. You can still purchase life insurance from the best insurers, but it will cost you more. A life policy for obese people may not offer the same benefits that a fitter person can enjoy. The policy will also come with multiple exclusions. You have to pay a higher premium for the policy you purchase compared to a general life policy.

How obesity can affect the life insurance premium

When it comes to life insurance for overweight female or male policyholders, finding a cheap option is never easy. The insurance companies use the BMI chart in order to determine how much premium you have to pay. So, if you are somewhere on the lower side of the overweight range, you can expect to be offered a reasonable premium. However,if your weight is on the higher side of the BMI chart, your life insurance premium will be more expensive. The weight directly affects the premium as many insurers increase the premium by a certain percentage for obesity.

One intelligent way to reduce the premium is by buying a life insurance policy online. The insurance industry is a competitive market, and that can work to your advantage. You can compare the different policies of life insurance for an overweight person online to find an affordable product. Buying a policy through digital means will help you in paying a lower premium as compared to purchasing life insurance offline. You will have to pay a comparatively lower premium.

The smartest thing you can do today is to buy the life insurance policy you can get, and then work towards improving your health. This way, you will be able to shed a significant amount of fat from your body over the course of a few years. You can then apply for a new policy that comes with an affordable premium.

Buy Term Life Insurance Now

Kotak e-Term Plan

Download Brochure


  • Nominal Cost
  • Multiple Plan Options
  • Flexible Payout Options
  • Critical Illness Rider
  • Tax Savings
  • Long term Coverage

Ref. No. KLI/22-23/E-BB/492


Browse our library of resources

- A Consumer Education Initiative series by Kotak Life

Similar Articles

10 Most Frequently Asked Questions - FAQs on Term Insurance

What are robo-advisors in insurance?

Unit-Linked Life Insurance (ULIPs) vs. Term Insurance

Choosing a Life Insurance Beneficiary

FAQs on Life Insurance

Term Insurance Tips for NRIs in India

A Step-by-Step Guide: How To Make An Investment Plan?

Why do I Need Life Insurance?

Important Terminologies of Life Insurance

Always keep your Nominee informed

Why You Should Buy Term Insurance under the MWP Act (Married Women’s Property Act)?

Why You Should Never Cancel Life Insurance Policy

5 Benefits of Gifting Life Insurance Cover to Your Spouse

All About Life Insurance and How It Works?

Difference Between Insurance and Assurance?

Key Things to Review in Your Life Insurance Policy Document

Insurance Changes You Need to Make Post Marriage

Most Common Life Insurance Riders to Enhance Your Existing Policy

Do Life Insurance Premiums Increase Every Year?

जीवन बीमा क्या है?

Life Insurance and Millennials

Loan Against Life Insurance Policy

Life Insurance for Millennials

Everything You Must Know About ULIP Riders

वरिष्ठ नागरिकों के लिए ऑनलाइन टर्म इंश्योरेंस प्लान खरीदने के लिए गाइड

Digital Life Certificate for Pensioners Seeking Pension

What Is The Life Insurance Penetration In India And How Does It Compare Globally?

5 Smart Steps to keep in mind while buying term policies

How to Make Death Claims on Life Insurance?

Can You Transfer Life Insurance Policies to Another Company in India?

A Term Insurance Guide for Disabled People

Insurance Vs Investment - A Guide to Your Financial Goals

What are the Benefits of Endowment Policy?

5 Things to Consider Before You Buy Life Insurance

Term Insurance Vs Life insurance: Small Details, Big Differences

Guide for Buying Online Term Insurance Plans for Senior Citizens

How to Revive the Lapsed Life Insurance Policy?

What Is Staggered Payment Option Under Term Insurance Policy?

Why Renewal of Term Insurance Plan is Important

How To Choose The Right Life Insurance

Take 100% Responsibility of Your Family with Term Life Insurance

Term Life Insurance vs Accidental Death Insurance

What Is the Procedure to choose a nomination in life insurance policy?

How to Buy a Life Insurance Plan?

Different Kind of Deaths that are Not Covered in a Term Insurance Plan

How To Use Different Types Of Life Insurance For Retirement Planning?

Choosing Between Short-Term & Long-Term Insurance Plans

Customer Awareness on Information Security

What is Underinsurance & The Dangers of Being Underinsured

Is it Possible to Reduce Life Insurance Premium without Affecting Sum Assured?

5 Reasons Why You Need Life Insurance in College

Is It Time to Review Life Insurance Policy of Yours?

5 Reasons Why a Women Should Buy a Life Insurance

Does Life Insurance Pay for Suicidal Death?

What Is Financial Planning?

Guidelines for Linking Aadhar and PAN to Insurance Policies

All You Need to Know About Life Insurance - Its Benefits, Features, and Types of Life Insurance

How Much Life Insurance Cover Do I Need?

Important Factors to Consider While Choosing the Right Term Period for Your Term Insurance Plan

1 CR Term Insurance Plan: How to Pick the Best 1 CR Term Plan

NRI Premium Payment Options

How to Calculate Human Life Value(HLV)?

Savings cum Protection Plans Secures Your Family from Unforeseen Events

5 Common Life Insurance FAQs and Answers

How to Select a Perfect Life Insurance Policy in India to Protect Your Future?

When are Millennials required to take out a life insurance policy?

Can An Individual Buy Multiple Term Insurance Plans?

What is Sum Assured in Endowment Policy?

What is Life Insurance?

भारत में सर्वश्रेष्ठ टर्म प्लान कैसे चुनें?

Types of Life Insurance Policies in India

Terms and Conditions of Term Insurance Plans

5 Easy Steps to Buying A Policy

Various Term Insurance Premium Payment Options Available in India

Is it Possible to Make Changes in a Term Plan’s Specification Post Purchase?

Term Life Insurance Vs Money Back Life Insurance

What Is a Whole Life Insurance Plan?

9 Most Important Things You Must Learn About Paying Life Insurance Premium

How to Buy a Term Life Insurance Online

Is Life Insurance For Millennials Really Needed?

Why Buying a Term Insurance is Important for all Parents

How Much Life Insurance Costs and How Much Insurance Cover You Need?

Why Life Insurance Is Always a Smart Decision

Voluntary Life Insurance Policy Vs Group Life Insurance

Life Insurance and Retirement Planning

How to Choose the Right Life Insurance Policy for Your Age?

Reasons Why Term Insurance Claims Get Rejected

Is Voluntary Life Insurance the Same as Basic Life Insurance?

“Life” Insurance or “Death” Insurance?

Best Insurance Plans in India

What Is Insurance Rider and It’s Benefits?

Why do most Indians choose the wrong way to buy life insurance?

How to Choose Life Insurance for All Ages?

Do Your Financial Planning with Life Insurance!

Does Life Insurance Cover Terminal Illness?

Can a Term Plan be the Substitute for a Retirement Plan?

Term Insurance Claim Process

What is the Difference Between Limited and Regular Pay Insurance Plan?

Difference Between Term Insurance and Endowment Plan

Life Insurance vs Mutual Funds

What is an Endowment Plan?

Can NRI Buy Life Insurance in India?

Who Is A Nominee In A Life Insurance Plan?

In India, should NRIs purchase life insurance?

Can You Apply For A Life Insurance After Getting Heart Attack? Here is Everything You Need To Know

Role of IRDAI in the Insurance Sector

Why Your Family Should Know About Your Life Insurance Policy?

How to Find the Best Term Insurance Plan in Seven Steps

Difference Between ULIP and Endowment Plan?

What Is Surrender Value (Cash Surrender Value) in Insurance and how is it calculated?

क्या जीवन बीमा एक निवेश है?

What is Human Life value and a Human Life Value Calculator?

Choose the Nominee of a Term Life Insurance Plan Wisely

Think About Life Insurance Sooner than Later

How Often You Must Review Your Life Insurance Policy?

Types of Life Insurance Or One Investment, Many Options

Adding A Child to Your Life Insurance Policy?

Life Insurance Beneficiary

Kotak Life Claim Settlement Ratio

Term Insurance Vs Car Insurance: A Budgetary Choice You'll Regret

Importance of Checking Claim Settlement Ratio before Buying Life Insurance

Top 5 Common Life Insurance Myths and Facts

Details Required To Be Filled In A Life Insurance Form

5 Advantages of Life Insurance Going Digital

How to Customize Your Life Insurance Policy with Riders

Role of Life Insurance in Your Financial Portfolio

6 Different Types of Insurance Policies

Term Plan with Return of Premium (TROP)

Health Insurance VS Life Insurance

Difference Between Money Back and Endowment Policy

What is a Single Premium Term Plan and its Tax Benefit?

Why One Must Buy Term Insurance before 25 Years

Term Insurance for Home Loan: How Term Plan Helps in Paying Off Home Loan?

Benefits of Term Insurance with Critical Illness Rider

Process of Filing A Claim For Life Insurance

Why Term Insurance for Women is Important?

Is Life Insurance an Investment?

What Is Social Impact Investing and How Does It Benefit Society?

Life Insurance Plans for Women

What is Minimum Life Insurance Policy?

Biggest Life Insurance Myths

Is it Worth Buying Disability Rider on Term Insurance?

All about Life Insurance Calculators

Important Life Insurance Terms You Must Know

Life Insurance with Money Back vs Without Money Back

Life Insurance Vs. Mutual Funds Investment

5 Ways to ensure faster settlement of claims

What Should One Consider Buying: Term Insurance or Traditional Life Insurance

How Many Insurances Should I Have?

Compare Different Life Insurance Products Offered By Kotak Life

भारत में जीवन बीमा पॉलिसियों के प्रकार

Life Insurance Policy Closure

Benefits of Buying Term Insurance Plan for Senior Citizens in India

How Much Life Insurance Do You Need?

Should You Buy Life Insurance After Getting Married?

First Job? Here’s Some Tips on How to Manage Finances

Different Types of Insurance Policies in India

Why is Medical Test Important While Buying a Term Insurance?

Different Types Of Life Insurance In India

Comparing low premium term insurance Is Not the Only Factor While Buying Life Insurance

How Do Term Insurance Plans Differ for Smokers?

Does Life Insurance Policy Cover Covid Death?

Staying Insured While Investing

7 Superficial Reasons People Avoid Buying Insurance Online

How to Choose a Life Insurance Policy

Are Deaths Due To Coronavirus Covered by Kotak E-Term Plan?

What is the Current Trend in Term Insurance?

When Should You Review Term Life Insurance of Yours?

Types of Insurance You Must Invest in for Secure Future

What is Group Insurance?

All about IRDAI

Health Insurance VS Life Insurance

Why Online Term Insurance Plans Cheap?

All about Your Rights and Duties While Buying Life Insurance Policy

Nominee in insurance - A Complete Guide on nomination in insurance

What is Insurance Coverage? Overview, Types, and Examples

What Is Investment Insurance?

All About Backdating in Life Insurance

What Should One Expect During the Medical Evaluation for Life Insurance?

Beware of Phishing & Fraud Insurance Calls

Does Family History Affects your Term Life Insurance Rates?

5 Things to Keep in Mind While Buying Life Insurance Policy

What Happens If I Stop Paying My Life Insurance Premium?

How Does Life Insurance Work?

Is It Advisable To Have Multiple Life Insurance Policies?

Sabse Pehle Life Insurance

ULIPs: Suitable for all

जीवन बीमा पर ऋण

6 Things You May Not Know about Life Insurance

Why Do Life Insurance Agents Avoid Selling Term Plans?

Important Features of a Term Insurance Plan

Life Insurance for Overweight Applicants