Life insurance plays a vital role in safeguarding our loved ones’ financial well-being in the event of our unfortunate demise. However, many individuals face challenges when applying for life insurance, particularly if they have a high Body Mass Index (BMI). Insurance providers often consider BMI as a risk factor, which can lead to the unfortunate outcome of declined coverage. In such instances, OneLife Insure is here to assist. As one of Ireland’s leading Life and Pensions advisors, we work closely with multiple insurers and understand their varying policies regarding high BMI applicants. In this blog post, we explore the issue of declined life insurance due to a high BMI and discuss how OneLife Insure can help you overcome this obstacle.

Understanding the Impact of High BMI on Life Insurance Applications:

Body Mass Index (BMI) is a measure of body fat based on height and weight. Insurance providers utilize this metric, among other factors, to assess an individual’s overall health and potential risk. While a high BMI does not automatically disqualify someone from obtaining life insurance, it can complicate the application process. Insurers may perceive higher BMI as an indicator of increased health risks, such as cardiovascular disease, diabetes, or other related health conditions. As a result, they may impose stricter underwriting guidelines or decline coverage altogether.

The Role of OneLife Insure in Facilitating Coverage for High BMI Individuals:

At OneLife Insure, we understand the challenges individuals with high BMI face when seeking life insurance coverage. Our extensive experience and strong relationships with insurers in Ireland allow us to navigate the complexities of the underwriting process and find viable solutions for our clients. We specialise in matching individuals with the most suitable insurers, some of whom are more lenient when it comes to high BMI applicants.

Our Approach: Tailored Solutions for High BMI Applicants

1. In-depth Analysis:

We conduct a comprehensive analysis of your specific situation, taking into account your overall health, medical history, and lifestyle factors beyond just BMI. By understanding the entirety of your circumstances, we can present your case to insurers in a holistic manner, highlighting any mitigating factors that may help secure coverage.

2. Wide Range of Insurers:

OneLife Insure works with a diverse network of insurance providers throughout Ireland. We are well-versed in the varying underwriting guidelines and policies of these companies, including those that are more open to considering high BMI applicants. Our aim is to find the insurer that best aligns with your unique needs, maximising the likelihood of securing life insurance coverage.

3. Expert Guidance:

Our experienced team of advisors will guide you through the application process, ensuring you understand the requirements and provide all necessary information accurately. We assist in preparing a strong case, including medical records, lifestyle information, and any additional documentation that may positively influence the insurer’s decision.


Being declined life insurance due to a high BMI can be disheartening, but it does not mean you are without options. OneLife Insure specialises in helping individuals overcome such obstacles by leveraging our extensive network of insurers and our understanding of their varying policies. We are committed to finding the best possible life insurance coverage for our clients, regardless of their BMI. Contact OneLife Insure today, and let us guide you through the process, providing you with peace of mind for the future.

Remember, your high BMI should not prevent you from securing the life insurance coverage you and your loved ones deserve. Trust OneLife Insure to be your advocate and help you navigate the insurance landscape to find a solution tailored to your needs.

You can contact us on or call one of our advisors on 01-5390410