Weight’s Impact on Life Insurance Rates | Can you family stay in the home if you pass away?

Insurers require height and weight, using BMI as one health metric to set life insurance rate classes.
Both high and low BMI can raise quotes, reflecting higher mortality risks tied to obesity or being underweight.
Typical premium impact vs excellent health:
Overweight: avg. ↑16% (range ↑14%–↑19%)
Obese: avg. ↑72% (range ↑68%–↑78%)
Recent weight loss may not fully count until stable ~1 yr; otherwise, insurers may add back half lost weight.
To seek lower costs: ask for re-rating, shop new policies, or use an independent agent; GLP-1 loss treated similarly.