BEST Life Insurance with a BMI Over 40

BEST Life Insurance with a BMI Over 40

Finding affordable life insurance when your **Body Mass Index (BMI) is over 40** can feel like an uphill battle. Many traditional insurance companies see high BMI as a red flag, often leading to **higher premiums**, limited policy options, or outright denials.

But here’s the truth: **You still have options.** And at **Mintco Financial**, we specialize in helping clients with higher BMIs find **customized, affordable life insurance coverage**—without the judgment or the runaround.

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### Why BMI Affects Life Insurance Rates

Insurance companies use BMI as a quick way to assess your overall health risk. A BMI over 40 is typically classified as **Class III obesity**, and while it doesn’t define your health entirely, it does raise concerns for insurers about potential conditions like:

* Diabetes
* High blood pressure
* Sleep apnea
* Heart disease

That said, not all carriers evaluate BMI the same way. Some are more **flexible**, especially if you have no serious health complications or your condition is being well managed.

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### What Are Your Life Insurance Options?

At **Mintco Financial**, we help clients navigate these options with transparency and compassion:

#### ✅ **No-Exam Life Insurance**

* Great for those who want to avoid the medical exam altogether.
* Fast approval—sometimes within 24–48 hours.
* Higher premiums, but accessible.

#### ✅ **Simplified Issue Life Insurance**

* A middle-ground option: short health questionnaire, no physical exam.
* Ideal if you have a stable medical history and a high BMI.

#### ✅ **Guaranteed Issue Life Insurance**

* No health questions, no exams.
* Best for those who have been declined elsewhere.
* Typically used for final expense coverage (e.g., \$5,000–\$25,000 policies).

#### ✅ **Fully Underwritten Policies**

* If your weight is stable and you don’t have other serious health issues, you may still qualify for a **more affordable policy**.
* We work with insurance companies who **specialize in high-BMI applicants**.

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### How Mintco Financial Can Help

With access to **dozens of life insurance carriers**, we can:

* Shop for the best rates for your unique health profile
* Avoid unnecessary rejections that hurt your insurability
* Educate you on which carriers are BMI-friendly
* Guide you through the application process from start to finish

Our process is **100% virtual**, confidential, and designed to **get you covered quickly and affordably.**

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### Don’t Let BMI Stop You From Protecting Your Family

You deserve life insurance that gives you peace of mind—no matter your weight. At **Mintco Financial**, we work **for you, not the insurance companies**. If you have a BMI over 40 and need honest, expert help, we’re ready to guide you every step of the way.

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