Kotak Life

Buy a Life Insurance Plan in a few clicks


Now you can buy life insurance plan online.

Kotak e-Term Plan

Kotak e-Term Plan provides a high level of protection to your loved ones in your absence. Know more

Kotak Guaranteed Savings Plan

Kotak Guaranteed Savings Plan is a savings and protection plan that helps you achieve long-term financial goals and provides an insurance cover against any eventuality. Know more

Kotak E-Invest

Kotak e-Invest plan is a complete Unit-Linked Insurance Plan that can be customized as per your goals and needs. Know more

Kotak Health Shield

Kotak Health Shield Plan helps secure your finances in sudden medical expenses such as Cardiac, Liver, Neuro, and Cancer (all early and significant illness stages/conditions of cancer), along with offering protection for personal accidents - in case of accidental death or disability. Know more

Kotak Lifetime Income Plan

Kotak Lifetime Income Plan gives you the security of your income continuing throughout your life and in your absence throughout your spouse's lifetime! Know more

Life Insurance for Overweight Applicants

Life Insurance for Overweight Applicants
  • 18th Nov 2019 |
  • 5,907

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


  • 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

5 Reasons to Buy Term Insurance When You are in Your 30s

Why 1 Cr Term Plan Is Necessary For Family?

What Are the Best Term Insurance Plans for Planning Retirement?

Why Buy Term Insurance Plan With a High Cover?

Does Term Insurance Cover Accidental Death?

Term Insurance: Most Common Term Insurance Myths Explained | Kotak Life

Gift Your Father A Term Insurance Plan This Father's Day

Planning For Children's Future

Comparing Term Plans – What Should You Look Out For

Insuring Protection Against Death With Death Insurance Rider

Calculating Term Insurance Premium

Is a Term Insurance Policy Portable?

Term Insurance With Riders In India

Why Premium Amount for Term Insurance is So Low?

How to Surrender Term Life Insurance When you have No Liabilities

Can Non-Resident Indians (NRIs) Buy Term Insurance In India?

What Types of Deaths Are Covered in a Term Insurance Plan?

Should Youngsters, Working Couples Buy Term Insurance Plans?

What is the Right Term Period For Term Insurance Policy? Here's How You Should Choose!

What Is a Passive Income? Why Should You Use It to Buy a Term Plan?

10-Year Term Life Insurance Policy - Explained in Detail

What Should Be The Duration Of Your Term Plan in India?

Different Types of Premium in Term Insurance

Individual Life Insurance vs. Group Term Life Insurance

Term Insurance Plans and Policies for Smokers

What are the Documents Required for Term Insurance Plan?

Can I Extend the Tenure of My Term Insurance Plan?

What Should You opt for - Limited or Premium Pay?

Are The Add-ons and Optional Features of Term Insurance Plans Actually Beneficial?

टर्म इंश्योरेंस क्या है? टर्म इंश्योरेंस का मतलब

How to Ensure That Your Term Insurance Claims Are Never Rejected?

Tips to Choose the Right Term Period for Term Insurance Plan

Reasons You Need Term Insurance Plan as a Self-Employed Person

Term Insurance with Critical Illness

Is It Good To Buy A Term Insurance Plan In 2022?

Why Should You Buy Term Insurance in 2022?

Understanding Term Insurance Riders

Online vs Offline Term Insurance: Which Is The Better Option To Buy

Is term Insurance Needed for People With No Dependents?

Insuring Against Accidents with an Accidental Death Insurance Rider

4 Things To Expect From Your Term Insurance Plan in India

6 Types of Death not covered in Term Insurance Plan

Term Vs. Whole Life Insurance: Which One You Should Buy in India?

Planning For Son or Daughter's Wedding

Why Should You Add a Rider to a Term Insurance Plan?

Term Insurance Calculator - Everythng You Need To Know

Why Term Plan Should Be The First Step To Securing Your Future?

When is the Right Time to Buy Term Life Insurance Policy for Yourself?

Why does every working woman need life insurance?

What is Form 16, Form 16 part A, Form 16 part B, Information Required and FAQs

Is Life Insurance Investment Worthy Enough

What are incremental term insurance plans?

Buying A Term Insurance? Don't Ignore the Claims Settlement Ratio

Which Term Insurance to Choose: Lump Sum or Staggered Pay-out Plan?

What Is a Renewable Term Insurance Policy?

How Much Cover Should I Take In A Term Plan?

8 Factors to consider before choosing a Critical Illness Insurance

Key IRDAI Regulations That Changed Face Of Term Insurance Industry In 2020

How To Choose the Right Term Insurance Plan?

Can You Increase Your Term Insurance Cover?

Eligibility Criteria for Buying Term Insurance in India

5 Term Insurance Benefits for Single Women

How Does A Term Life Insurance Work in India?

How To Calculate The Amount Of Term Life Insurance You Need?

Cost of Term Insurance Likely to Increase Soon

Which Death Type Does Your Term Plan Not Cover?

5 Benefits of Early Retirement Planning

Term Plan with Spouse Cover

While Buying Term Insurance Compare Features, Not Just Premiums

How Does Term Life Insurance Work? Learn the Benefits

Busting Myths and Facts About Term Insurance Policies

How Not To Get Your Term Insurance Claim Rejected

Steps on How to Buy Term Insurance Online

Tax Benefits of Term Insurance in India

Is it a Good Time to Buy Term Insurance During the COVID-19 Pandemic?

What Happens if you Hide Facts in your Term Insurance?

Why Surrendering Your Term Plan Policy In The Final Phase Maybe A Bad Idea?

Can I Buy Term Insurance for a COVID-19 Patient?

9 Ways to Help Family Members in Financial Trouble

Best Investment Plans for Children - Secure Your Child's Future

Choosing Riders for Insurance Plans

What Happens to Term Insurance Plan With No Beneficiary - Kotak Life

What is Term Insurance - A Complete Guide

Can I Make Changes to My Term Insurance Policy Post Purchase?

Do You Need Term Insurance Cover After Retirement?

Can Senior Citizens Avail Term Insurance?

Should You Buy a Term Plan After 40?

Can A Housewife Buy a Term Insurance Plan - All You Need to Know

Make Your Online Term Plan Your Familys Monthly Payout

Different Types of Protection Plans

Can I Get Term Insurance on Behalf of My Spouse?

How to Identify Term Insurance According to Your Needs?

6 Reasons That Make Term Insurance a Must Buy

Term Insurance Basics You Should Know

Advantages of Buying Term Insurance in Your 50s

Why Buy Term Insurance Even at Rising Rates?

8 Benefits of Term Insurance You Should Know

Advantages & Disadvantages of Term Insurance in India

Term Insurance: Smokers vs Non-Smokers

What is a Joint Term Insurance Plan? Key Benefits of Joint Term Plan

Is There Any Tax Benefit on Term Insurance?

Increasing Term Insurance and Riders

Buying A Term Insurance Plan? Take These Factors into Account

Why Term Insurance Is Better Than ULIP?

Is ₹1 Crore Term Insurance Good Enough Cover?

Is Term Life Insurance Plan an Investment or Expense?

Term Insurance – Why You Must Include In Your Financial Planning?

Term Plans are Definitely Cheaper than You Think!

Insurance Policy for Housewife In India

How to Buy 1 Crore Life Insurance Policy Without Medical Test

What is Critical Illness Policy

Term Insurance Age Limit – Term Plan for All Age Groups

Does Your Term Insurance Plan Cover Death Due to COVID-19?

How Much Term Insurance Do I Need

Why should single women purchase term life insurance?

4 Reasons Why You Need Critical Illness Cover

Can Term Insurance Plans Be Purchased As A Gift?

What Is the Correct Age to Buy Term Insurance?

Top 3 Reasons Why You Should Buy A Term Plan Now

Why Should New Parents Buy Term Life Insurance?

Key Differences Between Term Insurance, ULIPs, And Health Insurance

8 Things To Do After Buying Term Insurance

How to Compare Term Insurance Online

What All Documents Required For Term Insurance In India?

Insuring Against Disability With Disability Insurance Rider

Why Buying a Term Plan Is Smarter Than Traditional Life Insurance Products

Do Beneficiaries Pay Taxes on Term Insurance?

Why Married People Should Buy Term Insurance Under MWP Act?

Do I Need to Give a Medical Test for Term Insurance in India?

Protection for your family

Term Life Insurance Plan for Smokers vs Non-Smokers

Ideal Features of a Suitable Term Plan - Act Now for a Stress-free Future

Importance of Term Insurance at Every Stage of Your Life

What Are Insurance Riders and How to Choose Them in a Term Plan?

Everything About Claim Settlement Ratio for Term Insurance

5 Things To Consider While Buying Term Insurance Plan

Insuring yourself against Ill Health with a Critical Illness Rider

All About Term Insurance Inbuilt Coverage

4 Methods to Calculate How Much Term Insurance You Need

Term Insurance: What Happens When You Don’t Pay Your Premiums?

Ensure Protection Against Death, Disease & Disability With Life Insurance

Endowment Plans vs Term Plans: Understanding the difference

Why Should You Not Take A Term Plan Without Medical Test in India?

How To Choose the Right Sum Assured Under a Term Plan?

Is Group Term Life Insurance Provided By Employer Sufficient?

9 Most Frequently Asked Questions on Term Insurance

Difference between Term Insurance and Life Insurance

What is Insurance Premium - A Detailed Guide

Should You Have Multiple Term Life Insurance Policies?

Why Term Insurance Is Important in times of COVID-19?

All you need to Know about Term Insurance Plans for Housewives

Make Your Online Term Plan Your Family's Monthly Pay Cheque

Why is it important to buy term insurance plan?

What is a short term insurance policy?

How To Change The Nominee in Term Insurance?

How Much Term Life Insurance Cover Do I Need in India?

Know How to Invest at Every Age for Larger Returns