How I Dealt With the ‘Fat Tax’ on Life Insurance As a Plus-Sized Person

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  • Despite being healthy, I’m in a higher risk category for life insurance because of my BMI. 
  • I worked with an insurance broker, and selected less coverage to keep it affordable.
  • Now, I wish I had more — but some life insurance is better than none.

A little more than five years ago, I became the primary breadwinner in my household.

I also had a second child. That meant that suddenly, life insurance went from something I knew I should get some day, to something that I needed immediately. If anything were to happen to me, I wanted to know that my husband and daughters would be taken care of.

Still, I had a big concern, quite literally. I’m a plus-sized person, and I knew that could make getting life insurance more difficult or more expensive. I’m extremely privileged to be very healthy, so it’s rare that I have to face the fatphobia in our medical system head-on. But there was no way around it when getting life insurance.

Here’s how I handled the stigma of being a big person, and found a policy that worked for my budget.

I decided to put my emotions aside

I went into purchasing life insurance with my eyes wide open. I know that life insurance companies use weight and height to calculate your body mass index, or BMI. Your BMI affects your premium, despite being a poor and

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Why I’m Happy to Pay About $80 a Month for Life Insurance

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  • Many people with debt or children get life insurance to protect their families. My wife and I have neither.
  • But we are happy to pay about $80 a month for our coverage.
  • My policies are worth a total of $800,000, and I have peace of mind knowing my wife is covered.

When I tell my friends and family that I purchased life insurance for my wife and myself, I get strange looks. It’s not normal, at least in our situation.

In 2019, we paid off our final debt: our house. That was a big one. We also don’t have children. And debt and kids are two big reasons many people get life insurance.

Now that we’re debt-free, do we really need to carry life insurance? I believe so. And there are a few reasons for this.

Why life insurance made sense at this point in our lives

I know we don’t have to carry life insurance. Most of the time, people use life insurance to cover funeral expenses after the unexpected loss of a loved one, pay for mortgage payments, provide an inheritance for children, and cover continued living expenses that come with the loss of an income earner.

Our savings and emergency funds would more than cover any unexpected death in our household. That’s not why I purchased life insurance for myself.

Rather, I chose my $750,000 30-year term life insurance

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