Life insurance is a mortality product based on your life expectancy - how long you are expected to live.

Many medical factors contribute to the underwriting of a life insurance policy, one of those considerations is the Body Mass Index (BMI).

Your height and weight contribute to the credits or debits assigned to this area of underwriting your health, and assessing your risk for premature death.

Additional concerns regarding a person's weight are associated diseases like obesity in combination with diabetes, and adult onset diabetes.

Basically, a person categorized as obese or overweight will pay a much higher rate than standard for life insurance due to the possibility of health issues and a shorter life expectancy.

Here's how you can learn about life insurance for high risk people.