can't get life insurance

stevelo

I cant seem to find anyone prepared to give me life insurance. I am 46 yrs old don't smoke or drink but very overweight and have sleep apnea. do you know of anywhere that could help or some sort of way forward to put in place

jonesMUFCforever

Have you tried an IFA?

Weighty1

Provided you use a cpap machine and this prevents any daytime tiredness then the sleep apnoea shouldn't be an issue.

So on that basis it's likely to be your BMI. Each insurer has different tolerances to people's BMI so it may be that you've simply applied to the wrong companies. There's also specialist insurers who only allow applications via a broker so you couldn't have gone to them direct and would be unlikely to even know them as companies.

Why not use a broker, ideally one who specialises in arranging cover for those with adverse factors which go against them?