Best Burial Insurance for Overweight Issues In 2024

Funeral costs are an issue for everyone, but they can be especially hard on the families of obese individuals. Fortunately, there is affordable burial insurance available for those looking to save money and keep their loved ones’ dignity intact. Read this complete guide to learn all about it!

Final Expense Insurance for Overweight Seniors

Life insurance when you are overweight? Are you having serious concerns about paying a lot more for burial or final expense insurance because you look far from those “cookie-cutter” body image that insurance companies stereotype in their advertisements?

Are you concerned about health impairments conditions like Diabetes, Sleep Apnea, or high blood pressure that are caused by being obese?

Or you might think that no burial insurance company would want you because you’re too fat? Let us stop you right there… we perfectly understand your worries…

Being obese or overweight is on our qualified health impairment same-day coverage list.

Burial Insurance for overweight Seniors

Life insurance for overweight people and day one coverage. Is this possible? Cheer up! Because with full confidence, we can confirm to you that your weight will have no bearing at all on your burial or final expense insurance application.

Life insurance BMI requirements, are there any? In most cases no. Again, remember we shop you to hundreds of carriers nationwide. Every carrier has their own guidelines. One carrier that stands out with day one coverage does not require your height and weight as one of their guidelines. This is incredible!

We have helped a lot of people that were overweight or obese get low-cost burial insurance coverage no matter what their weight was!

Our Top A+ rated carrier Royal Neighbors of America does not even have a build chart! You can indeed get day one coverage!

Yes, that’s right! No matter what the weight!

We certainly and absolutely can help you too!

Overweight Issues And Final Expense Insurance Companies

Now a lot of burial or final expense insurance companies will have their own guidelines for height to weight ratio.

Then, there are a few carriers that don’t even have a height to weight limit at all, to them, you can weigh as much as the whole couch (or even heavier) and you can still qualify for the final expense insurance with the lowest premiums.

Actually, almost all of the burial insurance companies out there have extraordinary lax weight limitations.

You can be severely or morbidly overweight with a lot of burial insurers at the high end of their weight limitation and still you won’t get penalized or pay more!

Are you looking for final expense insurance for your parents? We can also help you accomplish this goal! As long as your mom and dad are aware and give permission we can speak with you and lock down a same day level policy for them too!

This might sound unbelievable…

There are carriers out there that have no weight chart to follow, meaning no weight limits! None at all!

With these carriers, you can actually try to break the world record for the heaviest man ever and win! then still get approved for a final expense insurance coverage with immediate full protection at rock-bottom prices!

By the way, the world record for the heaviest man ever is 1,400 lbs.

If that doesn’t stress enough how anyone can’t be too overweight for a simplified burial insurance plan, then nothing will.

Call us and hear it straight from our seasoned Final Expense Insurance Specialists (no pun intended)

By the way, you don’t need to submit any kind of medical or physical exam. No one will come to your place and try to check your weight and lifestyle or anything. Applying for burial insurance only have health questions and a prescribed medication review.

We certainly can help while you’re in the comforts of your own home and process your application over the phone.

Underwriting Process Of Final Expense Insurance Companies For The Overweight

In the underwriting process, insurance companies will try to view assess aspects of your health by asking health questions and review your history of prescribed medications.

Insurance companies will ask about the following aspects of your health:

  1. Health questions about your present and past diseases (if there’s any) and lifestyle.
  2. Prescribed medication history assessment.

As a general rule: If a pre-existing disease, disorder, treatment, living conditions, habits, types of assistance, etc., are asked, then the insurer has issues with it and it’s a risk for them and that they will probably offer coverage at higher premiums.

The Topic Of Overweight In The Underwriting Health Questions

Your weight will never be asked in the health questions when applying for burial insurance.

Life insurance companies may ask about how much you have lost or gained weight over a period of time or ask about your latest body mass index (BMI) but NOT with burial insurance coverage underwriting. Your weight gain over a time period or BMI is irrelevant for the final expense insurance application.

Medication For Weight Loss In The Underwriting

There is no prescription medication that can provide weight loss that insurance companies red flags. You can take any pill prescribed for weight loss, it won’t be an issue.

👇Take a break, see what our clients are saying about us👇

Gastric Bypass Surgery In Burial Insurance Underwriting

All of the insurance companies who are lenient or have no weight limits with how much applicants weigh will have no issue with gastric bypass surgery as well.

However, there are companies that will ask if you were hospitalized within the last 12 months. So if you did had gastric bypass surgery within the last 12 months and you were confined overnight, they won’t offer you a simplified plan.

This means you wasted your time because there are only a few companies that will take issue with this.

The reason you encountered these questions is that most probably you’re working with lesser insurance agent or agency!

As you may know, life insurance guidelines on weight maximum and minimum are through the use of a build chart.

Here is an example of one of our A+ rated carriers build charts.

In your application, you will already provide your height and weight in the personal information section, they won’t have to ask it in the health questions.

Again, every burial or final expense insurance companies that have their own build chart that they follow for under or overweight limits.

These companies commonly have extensive limits on being under or overweight that they explicitly welcome the “flyweights” of the underweight and “heavyweights” of the overweight without paying extra on the premium.

They can easily approve burial insurance for all contestants of the “The Biggest Loser” without charging them big time!

Insurance Companies WITHOUT Build Charts

If Jon Brower Minnoch was alive today, he could qualify for a simplified burial insurance plan from these companies.

These burial insurance companies, WITHOUT using build charts, can accept the combined weight of Jon Brower Minnoch and Carol Ann Yager and it will still be a simplified coverage plan!

The first time we heard this, we did not believe it, but it’s true!

Having no build chart to limit applicants’ weight means anyone can be pushing the physical limits of the human body in being extremely underweight or overweight and still qualify for a simplified burial coverage!


How You Being Overweight Can Be An Issue

While it’s true that some companies will have no problem if you weigh in with the combined weight of Big Show and Yokozuna, it begs the question…

Can you handle yourself?

Are you totally independent of your activities of daily living (ADL)? These include bathing, dressing, transferring, toileting and eating.

Every company will ask if you will need ADL, and if you do, they will disqualify you in the underwritten plans.

Thankfully, there is one top-rated insurance company that will be fine if you need assistance with your ADLs and we have access to them. Hopefully, you will qualify with them, if not, you’re the only option and your last resort may be a “Guaranteed Issue” (GI) plan only.

Always remember, no matter how much you weigh or if you have other diseases or conditions that disqualify you from a simplified plan, we can always find you the best possible burial insurance- whatever health situation you may be in.

How To Quickly Find The Best Burial Or Final Expense Insurance For Overweight Issues

Here’s a COMPLETE list of the qualities that you should be looking for in an insurance plan and the insurance company that offers it when concerned about being overweight:

  1. The insurance company with the lowest monthly premium for a simplified plan.
  2. The insurance company that can offer the best plans for different situations being overweight.
  3. The policy has the highest benefit payment that can protect you sooner from being overweight.
  4. The insurance company does not take issue with you being hospitalized within the last 12 months because of gastric bypass surgery (if you ever had it within that time)
  5. The insurance company must not have an issue with you needing ADL assistance for being overweight.

The insurance agency that you would need to move forward with must have the following qualities when it comes to finding burial coverage for overweight issues:

  1. The agency must be independent to have access to a lot of different insurance companies that can possibly offer the best coverage for overweight issue.
  2. The agency must have insurance agents that are highly experienced burial or final expense insurance specialist that have the passion to help you! Not the companies.
  3. The agency only offers the best policies from the country’s top-rated insurance companies that have stood the test of time in the insurance industry with stable finances and a proven track record.

Who Can I Call If I Am Overweight And Need Burial Insurance

We here at can exactly get you these coverage qualities for overweight issues.

We have easily helped a lot of clients with overweight issues secure coverage plans from the country’s top-rated insurance companies that have stood the test of time and challenges in the insurance industry.

Whatever your overweight issues and situations may be, we can present you with the best possible offers with the use of our well-earned knowledge of the underwriting questions and rates of every top-rated burial or final expense insurance company that we represent.

We are an independent insurance agency with a team of highly experienced Final Expense Insurance Specialists that has access to the country’s top-rated A+ insurance companies that only offers top-tier insurance policies with innovative additional benefits at no extra cost.

We have a driving passion to make sure that EVERYONE gets the best burial or final expense insurance coverage in the market! No matter what their health issues are.

With us guided by your health details, we will only come back to you with the best options for your situation with being overweight.

What we only need from you is a little bit of your time to know your details.

Talk to us now! We promise you a simple no-nonsense interview process with no pressure at all whatsoever.

Related Articles


Having a healthy body weight is important for many reasons, but it can also help you save money on burial insurance. If you have been struggling to find an affordable policy because of your size, we’ve got some great news. You don’t need to compromise your health or financial future just so that you can afford life and final expense benefits. We offer low-cost policies for people who are overweight with no medical underwriting required!

More Burial Insurance Resources