HiBMI is your home for life insurance with a heavier build at the best rates in the business. You can find instant life insurance quotes from over 60 “A rated” life insurance companies with fast approval times for everyone.

Have you been declined life insurance due to your height and weight, body mass index, or BMI? Then you are in the right place.

Shop top rated life insurance companies privately and get approved quickly. Even with a few extra pounds, you can find affordable life insurance right here!

HiBMI – Life Insurance for Good People who are Overweight

Why would you look for life insurance on your own when you don’t have to?  This can be difficult and unnecessary.  Our experience will work in your favor!

With underwriting experts in house, we will help you qualify for term life insurance, no exam life insurance and guaranteed life insurance even if you have had trouble before.

Protecting your family is the most important goal of our company, and we take it personally.  Life insurance is important to you, and it is important to us too.  That’s why we work tirelessly with one purpose in mind:  You.  

Your satisfaction, your options and your best interests are our guiding principals and our duty (by law!). The first and last question that matters to us is:  How may we better help you?

Seven Advantages to Working with HiBMI

1. Sixty “A Rated” Life Insurance Companies with Literally Hundreds of Options

We love choice and choice is good.  Having plenty of choices with relevant education and unbiased guidance though is GREAT!

Here we are able to shop the biggest and best life insurance companies in the world.  Many of these groups have been in business since the 1800’s and their financial future is rock solid.

Governments, banks, and millions of families have put their faith in these companies and you can too.

The real issue is picking just one; with our help, it’s simple!


Your rates for life insurance are not a mystery.  They are determined by many factors, but the two most important factors are your age, your program and your health class.

I’m sure you want to turn back the clock, however we cannot do anything about your age.  You are as young today as you are ever going to get.

We can  however affect your health class by using our underwriting expertise in high BMI, and that could save you up to 68% on your life insurance!

2. In-house underwriting Experts who Get You the Best Rates on Life Insurance

How does it work?  Simple.  You are unique. Your health is unique to you. Certain life insurance companies are great at certain heights and weights  and terrible for others.  It’s all based on the company’s risk tolerance and risk exposure history.

For example, mega life insurance company “A” knows you are maintaining your high blood pressure with commonly prescribed HBP medications. Company “A” has underwriting guidelines that calls you “Average” and prices your policy as such.

Mega life insurance company “B” however prices that risk as “Healthy”.  If you are taking high blood pressure medication, which company would give you the better deal?

Company B of course!

If you had time to read underwriting guides all day for life insurance you would know these carriers and their sweet spots… but who has time for that?

Furthermore, this information is a closely guarded secret that life insurance companies do not want you to know!

If you pick Company “A” on your own, you could spend thousands more than you need to on your life insurance coverage!  Don’t make that mistake.  Let us help.  We want to be your ally, unbiased and truthful.

Let one of our underwriting experts save you money.  It’s simple!

If you ever want to feel unimportant, call into a national call center that advertises life insurance on the TV or Radio.

It’s just as fun as asking a kid in middle school if they like your haircut and trust me:  You don’t want to know!

To other large massive insurance companies you are a nameless face in a sea of sales quotas. Also, if you have heart conditions, underwriting your case is going to be more difficult and it will take more work.

3. Personal Attention from Real People who Care and Understand

How can you get the personal attention your case deserves if a phone agent has to move onto their next sale just to keep their job?  Short answer is:  you cannot.

To us, it’s personal.

You will not get that attention from the larger companies or call centers, for they simply cannot afford to invest the time that your case requires.  We can!

This is personal stuff we are dealing with here, Families and their well being are at stake. Because of this, profit will never get in the way of our purpose!

4. Free, Instant and Accurate Life Insurance Quotes

After reading through some of the pages on this site (start with this one), you will be “smarter than the average bear” when it comes to life insurance.

Real life case studies and examples of heart problems and their actual health class will teach you how to properly use the quote tool. Go ahead and run some quotes with confidence.

This is a free service that we provide to you and we are committed to keeping it free. (FREE!).

On our end, we promise to keep the quoter 100% secure, accurate and up to date. We promise not to entice you with teaser or bogus rates so long as your information is accurate.

Furthermore, if there are new companies or products in this market, we will update with those options for you to quote as well.

5. We Communicate How You Like

How do you like to be contacted. Phone? Chat? Text? Email? Smoke signal? With the newest technology we can communicate however you prefer. Except smoke signal.

We know your time is valuable and will keep you fully informed without wasting a single minute with SPAM

6. Shop Confidently and Privately from Home

At last count, there were over 1,000 life insurance companies in the US. Whew. How in the world do you know which one is the best?

Thankfully for you, we have compiled many of the companies who look favorably on clients who are overweight in our free quote tool. You can customize your quote to fit your needs, all for free and all from your own home!

Now, you can also plug your email into a website that just wants sell your information. You will get a chance to shop insurance quotes; literally hundreds of hungry insurance agents will call you for months.

There is a better option. We have the expertise to narrow this choice down for you. Work with one company, one case manager, and one caring soul who specializes in life insurance with heart conditions.

Use the quoter, then put our expertise to work for you and your family. It’s simple!


Unlike some other forms of insurance, life insurance company rates are the same whether you use an agent or go straight to the company yourself.

These rates are published at the state level and regulated by your state’s department of insurance.

This is great news regarding your convenience! You can have an underwriting expert to do the hard work without any additional cost!

7. Iron Clad Money Back Guarantee:

We will move the moon and stars to make you happy.


  • The quotes are FREE of charge.
  • The expert advice is FREE.
  • The bad jokes are FREE.  
  • The medical exam-if required-is FREE.  
  • The blood work at the lab-if required-is FREE.  
  • The APS and doctor records-if required-are FREE.
  • The first, second, third, fourth and fifth etc. consultation are all FREE.
  • Every now and again we will send you a birthday card – FREE!
  • Annual reviews of all your policies – (you guessed it) FREE.

Pay attention, because this next one is big news . . .

In the distant future if a better product comes along or your health dramatically improves, we will switch you to that new policy or product absolutely FREE!

So what are you waiting for?

Get a free quote now, learn about us, or explore our posts for more education and opinions related to life insurance for overweight people.

You will be glad you did!