Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term

Protect Your family’s financial future with Kotak e-Term. 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 Lifetime Income Plan

Retirement years are the golden years of life. Know more


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

Life Insurance for Overweight Applicants

If you are obese, you should consider buying life insurance. Your weight can impact your life insurance premium. Read here to know more about life insurance for overweight applicants!

  • Nov 18, 2019

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

Download Brochure


  • Life Cover till 85 years for Life & Life Secure Option
  • 3 Payout Options
  • Special Rates for Women
  • Option to exit the policy with premium refund at the age of 60*
  • Special Rates for Non-Tobacco Users
  • Free Medical Check Up every 5th year**

Ref. No. KLI/22-23/E-BB/2435


- A Consumer Education Initiative series by Kotak Life

Similar Articles

What Is Staggered Payment Option Under Term Insurance Policy?

Reasons Why Term Insurance Claims Get Rejected

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

Term Life Insurance vs Accidental Death Insurance

क्या जीवन बीमा एक निवेश है?

What is the Current Trend in Term Insurance?

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

Loan Against Life Insurance Policy

Does Life Insurance Cover Terminal Illness?

What are the Benefits of Endowment Policy?

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

How to Make Death Claims on Life Insurance?

Savings cum Protection Plans Secures Your Family from Unforeseen Events

भारत में सर्वश्रेष्ठ टर्म प्लान कैसे चुनें?

Why Term Insurance for Women is Important?

Nominee in insurance - A Complete Guide on nomination in insurance

Life Insurance vs Mutual Funds

5 Common Life Insurance FAQs and Answers

What is Sum Assured in Endowment Policy?

How to Buy a Term Life Insurance Online

In India, should NRIs purchase life insurance?

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

Can NRI Buy Life Insurance in India?

How Much Life Insurance Do You Need?

Guide for Buying Online Term Insurance Plans for Senior Citizens

How Much Life Insurance Cover Do I Need?

5 Smart Steps to keep in mind while buying term policies

What is Group Insurance?

Beware of Phishing & Fraud Insurance Calls

Is It Time to Review Life Insurance Policy of Yours?

क्रिटिकल इलनेस राइडर के साथ टर्म इंश्योरेंस के लाभ

Types of Life Insurance Policies in India

Voluntary Life Insurance Policy Vs Group Life Insurance

Importance of Checking Claim Settlement Ratio before Buying Life Insurance

Difference Between Insurance and Assurance?

All You Need to Know About KYC

How to Customize Your Life Insurance Policy with Riders

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

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

How Many Insurances Should I Have?

A Term Insurance Guide for Disabled People

Life Insurance Vs. Mutual Funds Investment

Choosing Between Short-Term & Long-Term Insurance Plans

Why Buying a Term Insurance is Important for all Parents

Insurance Vs Investment - A Guide to Your Financial Goals

Most Common Life Insurance Riders to Enhance Your Existing Policy

Life Insurance Policy Closure

5 Things to Keep in Mind While Buying Life Insurance Policy

Important Features of a Term Insurance Plan

Term Insurance Tips for NRIs in India

Choose the Nominee of a Term Life Insurance Plan Wisely

What is the Difference Between Insurance and Reinsurance?

What is Insurance Coverage? Overview, Types, and Examples

When Should You Review Term Life Insurance of Yours?

Think About Life Insurance Sooner than Later

Kotak Life Claim Settlement Ratio

बीमा क्षेत्र में IRDAI की भूमिका

Different Types of Insurance Policies in India

Why Online Term Insurance Plans Cheap?

Life Insurance and Millennials

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

Terms and Conditions of Term Insurance Plans

Difference Between Money Back and Endowment Policy

What Is a Whole Life Insurance Plan?

What Is Insurance Rider and It’s Benefits?

Biggest Life Insurance Myths

जीवन बीमा पर ऋण

How to Calculate Human Life Value(HLV)?

Always keep your Nominee informed

Compare Different Life Insurance Products Offered By Kotak Life

All About Life Insurance and How It Works?

Important Terminologies of Life Insurance

Role of Life Insurance in Your Financial Portfolio

How To Choose The Right Life Insurance

5 Advantages of Life Insurance Going Digital

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

Does Life Insurance Pay for Suicidal Death?

Types of Insurance You Must Invest in for Secure Future

Why is Medical Test Important While Buying a Term Insurance?

7 Superficial Reasons People Avoid Buying Insurance Online

Best Insurance Plans in India

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

What are robo-advisors in insurance?

What is Minimum Life Insurance Policy?

Health Insurance VS Life Insurance

Why Do Life Insurance Agents Avoid Selling Term Plans?

How to Choose Life Insurance for All Ages?

What is Life Insurance?

Adding A Child to Your Life Insurance Policy?

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

What is Underinsurance & The Dangers of Being Underinsured

How Often You Must Review Your Life Insurance Policy?

Why Renewal of Term Insurance Plan is Important

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

Benefits of Buying Term Insurance Plan for Senior Citizens in India

Various Term Insurance Premium Payment Options Available in India

All about Your Rights and Duties While Buying Life Insurance Policy

How to Use Different Types of Life Insurance for Retirement Planning?

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

6 Different Types of Insurance Policies

Life Insurance and Retirement Planning

Different Types Of Life Insurance In India

Life Insurance with Money Back vs Without Money Back

Details Required To Be Filled In A Life Insurance Form

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

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

How Do Term Insurance Plans Differ for Smokers?

Role of IRDAI in the Insurance Sector

FAQs on Life Insurance

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

Should You Buy Life Insurance After Getting Married?

How to Find the Best Term Insurance Plan in Seven Steps

Key Things to Review in Your Life Insurance Policy Document

How do life insurance payouts work?

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

Sabse Pehle Life Insurance

Health Insurance VS Life Insurance

Life Insurance Nominees: 5 Must-Know Facts for Beneficiaries

5 Benefits of Gifting Life Insurance Cover to Your Spouse

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

Life Insurance for Overweight Applicants

भारत में जीवन बीमा पॉलिसियों के प्रकार

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

What happens to joint life insurance after divorce?

How Does Life Insurance Work?

How to Revive the Lapsed Life Insurance Policy?

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

What Happens If I Stop Paying My Life Insurance Premium?

Do Life Insurance Premiums Increase Every Year?

5 Easy Steps to Buying A Policy

Can An Individual Buy Multiple Term Insurance Plans?

Is Life Insurance For Millennials Really Needed?

Is Life Insurance an Investment?

Term Insurance Vs Life insurance: Small Details, Big Differences

Take 100% Responsibility of Your Family with Term Life Insurance

Customer Awareness on Information Security

Term Insurance Claim Process

Is It Advisable To Have Multiple Life Insurance Policies?

Life Insurance Plans for Women

Do Your Financial Planning with Life Insurance!

Why do I Need Life Insurance?

5 Ways to ensure faster settlement of claims

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

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

Insurance Changes You Need to Make Post Marriage

8 Things to Consider Before You Buy Life Insurance

NRI Premium Payment Options

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

Process of Filing A Claim For Life Insurance

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

All about Life Insurance Calculators

Life Insurance for Millennials

Who Is A Nominee In A Life Insurance Plan?

Is it Worth Buying Disability Rider on Term Insurance?

All About Backdating in Life Insurance

Does Family History Affects your Term Life Insurance Rates?

How to Choose a Life Insurance Policy

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

Is Voluntary Life Insurance the Same as Basic Life Insurance?

Why Life Insurance Is Always a Smart Decision

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

Important Life Insurance Terms You Must Know

Life Insurance Beneficiary

Term Plan with Return of Premium (TROP)

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

How to Buy a Life Insurance Plan?

Digital Life Certificate for Pensioners Seeking Pension

“Life” Insurance or “Death” Insurance?

Does Life Insurance Policy Cover Covid Death?

Choosing a Life Insurance Beneficiary

जीवन बीमा क्या है?

Types of Life Insurance Or One Investment, Many Options

What Is Investment Insurance?

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

Top 5 Common Life Insurance Myths and Facts

Benefits of Term Insurance with Critical Illness Rider

Why You Should Never Cancel Life Insurance Policy

Staying Insured While Investing

6 Things You May Not Know about Life Insurance

Why One Must Buy Term Insurance before 25 Years

All about IRDAI

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

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

Why Your Family Should Know About Your Life Insurance Policy?

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

Guidelines for Linking Aadhar and PAN to Insurance Policies

5 Reasons Why You Need Life Insurance in College

5 Reasons Why a Women Should Buy a Life Insurance