Can I Get Final Expense if I’m Overweight?

Kim Wilhelm CEO of Final Expense Direct Life Insurance
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Written by Kim Wilhelm

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Last Updated 03 Dec 2022

Yes, you can get final expense if you are overweight. Unlike other insurance policies, final expense has an option, called guaranteed issue, for those with minor to serious health concerns to enroll.

Getting Life Insurance as an Overweight Person

When you enroll in a life insurance policy, they will consider all aspects of your health for enrollment, including weight. You will be asked to participate in a medical examination and, if your weight is determined to be a serious, potentially life-threatening concern, it may disqualify you from coverage.

This causes a slew of issues for many people. How can you get life insurance if you’re disqualified from almost every policy and provider?


Final Expense for Overweight Individuals

No matter your pre-existing conditions, diabetes, weight or health, you will have access to a type of life insurance policy known as final expense. But what is final expense insurance?


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Like all life insurance for seniors policies, final expense provides what is called a death benefit to the policyholder’s beneficiaries. The death benefit for final expense can be anywhere between $2,000 and $50,000 depending on the provider and, ultimately, your decision. The more coverage you purchase, the more you pay on a monthly basis.

Beneficiaries will then use this money to cover a variety of costs agreed upon with the policyholder. When the policyholder passes away, the death benefit is issued, and it is up to the beneficiaries to use these funds properly.

You are allowed to use these funds any way you see fit. Most people, however, use it for funeral costs, medical bills, credit card payments, and more.

Qualifying for Final Expense With Weight Issues

How, then, can an overweight person qualify for final expense? There are two ways you can do so—guaranteed or simplified issue. 

Simplified issue literally “simplifies” the traditional application process of other types of life insurance.

Best Life Insurance Companies for Height - Weight Challenged

  1. Liberty Bankers - Best if weight is higher
  2. American Home Life Insurance - Best for people under 4' 11"
  3. Baltimore Life Co - Best if you are taller over 6' 4"

* The "best company" depends on other health factors as well as age, state of residency, and coverage desired.  For your best chance to be approved with low rates, speak to one of our experienced insurance professionals.  

To get started, click here for a quote now.

Rather than a full medical examination, all you have to do is fill out a simple questionnaire.

More often than not, you can get this type of coverage even if you are overweight unless you have other serious health issues related to your weight, such as heart disease.

If you cannot qualify under simplified issue, you can also apply under guaranteed issue. This policy skips the medical examination process entirely, instead accepting you without any knowledge of your medical background.

If you can qualify for simplified issue, it is a better option than guaranteed issue. Because the provider knows nothing about your health with guaranteed issue, there is an “assumed risk,” meaning the policy will be more expensive. Both, however, provide the same type of coverage and are a fantastic option for overweight individuals.

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Overweight? Get Insured with Final Expense Direct

With Final Expense Direct, we will walk and talk you through all of your options until you’ve found a plan that is perfect for you. To see for yourself, give us a call at 1-877-674-0236.


  • Get quotes FAST
  • More affordable than you think
  • Compare quotes from top companies
  • Know what you qualify for before you buy!