Higher BMI cover
Higher BMI life
insurance, no judgement.
A higher BMI doesn't mean paying over the odds — or being turned away. YPS knows the insurers who look at the whole picture: your health, your lifestyle, your bloods, not just a single number.
“You're more than a number on a chart — we find insurers who look at the whole picture.”
— A YPS specialist
What insurers look at
The factors that shape your quote.
- Your current height and weight (used to calculate BMI)
- Blood pressure and cholesterol readings
- Any linked conditions (diabetes, sleep apnoea, joint pain)
- Recent weight trend — stable, losing, or gaining
- Smoker status and general activity level
- Family medical history
Why YPS at a higher BMI?
Some insurers use rigid BMI cut-offs. Others take a rounded view — especially when other health markers are good. We know who's who, and we present your application to the right underwriter first time.
- •Life Insurance, Critical Illness and Whole of Life
- •Standard rates where your health markers support them
- •Weight-loss policy reviews once you've made progress
- •Whole-of-market broker — always your side of the table
