My answer to Do obese people have to pay higher insurance premiums, if not a result of a medical disease such as th…
Answer by Jennifer Burnham-Grubbs:
On health insurance, obesity no longer results in higher premiums generally speaking, because preexisting conditions don’t count against you under the Affordable Care Act. For groups with 100+ employees, if there are a lot of medical issues of any kind (not just obesity-related), the group as a whole can get higher premiums, so conceivably if obesity and/or smoking cause a group to have more claims it could still impact rates.
But in life insurance, obesity and smoking BOTH definitely increase premiums. Having a BMI higher than you should, even by 40–50 pounds, can cause one to get Preferred instead of Super Preferred rates even if one’s health is otherwise perfect. Someone who is morbidly obese could even end up paying higher rates than a smoker, or nearly so, especially if he/she has other medical issues which is often the case.
That said, smoker premiums usually are around 2-3 times higher than non-smoker premiums so one has to be extremely overweight to get life insurance rates that are higher than smoker rates. This is of course assuming there are no other health factors and it’s just apples-to-apples comparisons.
Also, by smoker I assume you mean nicotine/cigarette smokers, not marijuana smokers. Certain carriers don’t treat marijuana smoking the same way they treat cigarette smoking. Believe it or not, they treat marijuana smoking more favorably than cigarette smoking sometimes!