You can get life insurance – even if you’ve been declined before

If you’ve been wondering, “Can I get life insurance if I’m overweight?” You’re not alone. It’s one of the most common concerns people have when considering applying for life insurance.  Many assume that being overweight automatically means that an insurance company will deny the application, but that’s simply not true with AllLife.

The reality is, you can get life insurance if you’re overweight — and it’s more accessible than you think.

How does being overweight affect your application?

Life insurance providers assess your overall health to determine your level of risk. While weight does play a role, it’s not the only factor that counts.

Upon application for life insurance, your BMI (Body Mass Index), along with your blood pressure and cholesterol levels, is considered when assessing your application. They will also take into account any existing medical conditions you may have and your lifestyle habits. Factors such as whether you’re a smoker and your exercise regimen also matter. So even if you’re overweight, you could qualify for life cover.

Choosing the right company

Getting life insurance if you are overweight could seem like a daunting task. The key is finding the right company that understands you and your situation. AllLife is one of the top-rated companies on Hello Peter. Rated 4.85 out of 5 score, across thousands of reviews by members of the public over the last 12 months.

Hear from people with higher BMI who thought they could not get life insurance, until they spoke to AllLife

If you’re looking for real-life examples, AllLife’s Real People, Real Stories series highlights inspiring journeys – including individuals who have faced challenges related to a high BMI. One such story is Mandisa’s. She speaks about how others judge overweight people and how hard she has to work in her career to prove she is worthy. 

You can watch her story here:

• Mandisa

You can also watch Sbu’s weight journey:

• Sbu’s 

These stories show that with a high BMI or other health challenges, it’s still possible to take control of your future and access life cover designed to support you.

How much life insurance can I get? 

If you’ve previously been declined for life insurance due to your weight, it’s important not to give up. AllLife specialises in providing life insurance for people who may have been turned away elsewhere. In fact:

• If you’re living with a chronic condition and are on the curvy side, you are guaranteed up to R3 million in life cover with the chronic life plan from AllLife.
• You could potentially qualify for up to R10 million life insurance, even if you carry a little bit extra weight, depending on your profile.
• All it takes is a quick phone call to get started.

So, if you’re still asking, “Can I get life insurance if I’m overweight?” — the answer is yes, and AllLife is here to help you access it.

What makes AllLife different?

AllLife understands that your health journey is unique. Instead of focusing just on your weight, they take a more holistic approach.

A few of the factors that will be considered: 

• How are you managing your health
• Your commitment to lifestyle changes
• Your overall risk profile

AllLife’s aim is simple – to give you access to life cover regardless of your health or weight.

Why having life insurance matters

Life insurance is about more than just a policy – it’s about peace of mind. Having life cover ensures that your loved ones are financially protected if something happens to you.

It can help your family with:

• Daily living expenses
• Debt repayments
• Monthly bills

You deserve the right to be insured.

Take the first step today

If you’ve ever asked, “Can I get life insurance if I’m overweight?”, now is the time to act. 

Get in touch with AllLife today – in just a few minutes, and depending on your circumstances, you could secure up to R3 million life cover with the Chronic Life Plan regardless of your weight or health,  you could even qualify for up to R10 million in life insurance depending on your unique risk profile. 

AllLife (Pty) Ltd is an Authorised Financial Services Provider, FSP No 4946. Insured by OMART, a Licensed Life Insurer.