Published company evidence
Read the context behind each recommendation, including the study it came from and the limits of what the evidence can show.
272 published fit reviews
Pacific Life is a good fit for life insurance with sleep apnea when the condition is treated and documented with sleep-study and CPAP-compliance records. Its underwriting guide addresses sleep apnea directly, though severe or untreated cases may be declined.
Banner Life is a good fit for mild or moderate sleep apnea that is treated, documented, and well controlled. Its published guidance favors Apnea Index under 20 or RDI under 30, oxygen saturation above 85%, and a year of good compliance, though severe untreated and central apnea are concerns.
Corebridge Financial is a mixed fit for life insurance with obesity. It offers 18 term periods up to 35 years and a public BMI calculator, but no public obesity-specific build chart, and its accelerated path excludes BMI above 33.
Ethos is a good, but not definitive, fit for life insurance with obesity. Its no-exam simplified-issue term product states high BMI does not automatically disqualify applicants, though Ethos publishes no BMI cutoffs and obesity-specific pricing was not verified.
SBLI is a mixed fit for life insurance with obesity. Its term product offers $100,000 to $5 million, 10- to 30-year terms, and conversion without new medical underwriting, but BMI screening is unclear: sources cite accelerated underwriting cutoffs of 38 or 42.
Transamerica is a mixed fit for life insurance with obesity. It uses height and weight in underwriting and may manually review borderline BMI cases, but platforms disagree on BMI thresholds and no public material guarantees acceptance at any BMI.
Mutual of Omaha is a mixed-to-good fit for high-BMI life insurance buyers. Its Guaranteed Whole Life plan requires no exam or health questions, but caps at $2,000-$25,000 with a two-year limited-benefit period. Affordable products still screen height and weight.
Lincoln Financial is a mixed-to-good fit for life insurance with obesity, not a confirmed obesity specialist. Its dual underwriting pathway pairs lab-free TermAccel with fully underwritten LifeElements, but Lincoln publishes no complete obesity underwriting table.
Pacific Life is a good, but not clearly best, fit for high-BMI term life insurance buyers willing to undergo individualized underwriting. Its PAL+ structure routes applicants to accelerated, modified, or traditional review, and term conversion needs no new underwriting, but no public BMI cutoff or premium table exists.
Protective Life is a good, but not proven best, fit for life insurance with obesity. Its fully underwritten process collects height, weight, blood pressure, and labs, and age-adjusted build charts plus underwriting credits may move some obesity-related risks toward standard pricing.
Banner Life is a good, not clearly best, fit for life insurance with obesity. Its OPTerm product uses build-based underwriting and substandard ratings from the Standard Plus rate base, but Banner publishes no consumer-facing BMI table, so applicants cannot predict their rate class or premium in advance.
Prudential is a good, but not conclusively best, fit for U.S. buyers with obesity who complete full medical underwriting. It ranked first on 6 of 7 AI platforms, and independent guides call its build charts among the most lenient of major carriers, though BMI thresholds and pricing are not published.
