Life insurance for Obesity

Call us today: (260) 422-5377 or (877) 341-5377

(Indiana and Ohio residents only)

So, you’ve been told that you don’t qualify for life insurance because you’re “too short for your weight” or considered obese by traditional insurance rating tables.  I’m here to tell you that life coverage may be available, even if you’re morbidly obese and been declined in the past

In Indiana and Ohio our agency provides affordable life insurance coverage for our clients with obesity. And it couldn’t be easier to qualify because the application only has one medical question…

“Are you currently confined to a hospital or hospice, or have you been told by a medical practitioner that you have a terminal illness?” If you answered “No” to this, keep reading.

This life insurance plan guarantees anyone aged 5 to 80 the opportunity to purchase up to $25,000 of permanent whole life protection by answering one simple medical question. No medical information or exam is required. The death benefit in years one to three is limited to a return of premiums paid in the first year, 50% in the second year and 100% in the third year and thereafter.


  • NO medical or physical exam – only one (1) health question
  • Premium is fully-paid in 20 years
  • Policy builds cash value
  • The full benefit amount will be paid if death is due to an accident during the first two years.


- For ages younger than 18, please visit this page -

Life insurance for obesity

* Rates are current as of May, 2014, and subject to change without notice. This page and illustrations provided are for summary purposes only and contain a general outline of coverages provided. This is not a contract or policy. For a complete and detailed description of coverages and exclusions, refer to the policy forms.

** Monthly (EFT) – Bank draft from a checking account on the same day each month.

(Indiana & Ohio Residents Only)


Obesity News — ScienceDaily

Obesity research and facts. Read the latest medical research on obesity. Evaluate weight loss programs and choose a diet plan based on your health and lifestyle needs.
Plant chemicals may prevent liver damage caused by fat accumulated during menopause
Wednesday February 25th, 2015 07:25:47 PM

Women going through menopause often struggle with weight gain that results when their estrogen levels drop, and many turn to weight-loss supplements. But those supplements may cause an accumulation of fat in the liver and a potentially life-threatening condition called non-alcoholic fatty liver disease. Now researchers have shown in studies of post-menopausal animals that a mix of phytochemicals, along with vitamin D, may help protect the liver against inflammation caused by fat accumulation.
High-energy breakfast with low-energy dinner helps control blood sugar in people with type 2 diabetes
Tuesday February 24th, 2015 11:25:41 PM

A small new study shows that, in people with type 2 diabetes, those who consume a high-energy breakfast and a low-energy dinner have better blood sugar control than those who eat a low-energy breakfast and a high-energy dinner.
New research provides first glimpse of weight gain guidance for pregnant women with obesity
Tuesday February 24th, 2015 06:11:52 PM

New research provides the first glimpse of weight-gain guidance for pregnant women with various classes of obesity based on body mass index (BMI), and suggests that they not gain any weight until mid-pregnancy or later.
Too many food choices exacerbate the battle against obesity, researchers find
Tuesday February 24th, 2015 01:37:08 PM

Researchers found that having too many food choices increases the obesity problem. In fact, researchers found that having a choice of a high-fat and low-fat diet does not help — offspring in this situation tended to eat even more.
Diet high in red meat may make kidney disease worse
Monday February 23rd, 2015 09:42:03 PM

An estimated 26 million people in the United States have chronic kidney disease, which can lead to complete kidney failure. Once the kidneys fail, patients either need to undergo dialysis treatments three times a week or have a kidney transplant to remain alive. "Our study found that patients with chronic kidney disease who consumed diets high in animal protein were three times more likely to develop kidney failure than patients who consumed diets high in fruits and vegetables," the lead author says.
Molecular Link between Obesity, Type 2 Diabetes Reveals Potential Therapy
Monday February 23rd, 2015 07:09:47 PM

The inflammatory molecule LTB4 promotes insulin resistance, a first step in developing type 2 diabetes, researchers have discovered. What's more, the team found that genetically removing the cell receptor that responds to LTB4, or blocking it with a drug, improves insulin sensitivity in obese mice.
Vitamin D deficiency linked more closely to diabetes than obesity
Monday February 23rd, 2015 07:09:45 PM

People who have low levels of vitamin D are more likely to have diabetes, regardless of how much they weigh, according to a new study. Vitamin D helps the body absorb calcium and maintain bone and muscle health. The skin naturally produces this vitamin after exposure to sunlight. People also absorb smaller amounts of the vitamin through foods, such as milk fortified with vitamin D. More than 1 billion people worldwide are estimated to have deficient levels of vitamin D due to limited sunshine exposure.