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How to Qualify for Life Insurance as a Bodybuilder


How to Qualify for Life Insurance as a Bodybuilder

Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

In This Article, I Will Discuss The Factors That Contribute Toward Helping A Bodybuilder Qualify For Life Insurance Coverage

Most likely you’re here today because you yourself are a bodybuilder or maybe you love someone who is a bodybuilder. As a responsible individual you are looking for life insurance coverage that can effectively cover the kind of financial concerns that would occur if you happen to pass away.

Additionally, you might be concerned about whether or not your bodybuilding career may have an impact on your eligibility for life insurance coverage. If you have these types of concerns, then you are in the right place.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation. Enjoy!

Specifically, this article will cover a number of factors that will help you feel more confident about purchasing life insurance as a bodybuilder.

Here’s An Overview Of Today’s Topic:

Why get life insurance as a bodybuilder?

There are several reasons to get life insurance if you are a bodybuilder. Let’s briefly discuss the key motivators for coverage.

Top reasons why bodybuilder purchase life insurance

Cover and replace your bodybuilder income

If you are an amateur bodybuilder, you probably earn some income from your sport and may have an outside source of income in addition to bodybuilding. If you were to pass away, how would you replace your lost income? More specifically, how would your family continue with the same lifestyle you currently enjoy if you are out of the picture?

This is a perfect reason why bodybuilders should own life insurance. If you pass away, a life insurance policy is paid to the beneficiary of your choice. Your beneficiary can use the money to continue their lifestyle, pay the bills you left behind, and otherwise have economic peace of mind to cover any financial responsibilities.


Most likely you own a home, and that home is backed by a mortgage. If you happen to pass away, a life insurance plan can be utilized to pay off the existing mortgage. This would allow your family to own the home free and clear and not have to worry financially about having to make payments.

Without a life insurance support system in place, your loved ones could potentially experience foreclosure or have to sell the house at fire sale prices in order to manage the weighted expense of a mortgage without your income.

Business continuity

If you’re a bodybuilder that happens to also be a business owner, or if you are an entrepreneur, there are several reasons why it’s important to not just have personal life insurance coverage to cover things such as your debts or replace your income, but also to successfully keep your business running if you were to pass away.

Let me give you a couple of examples where having a life insurance policy in the context of a business is a good idea.

Key man coverage

If you are a business owner, most likely you have critical people in your business that play an important role in keeping your business running. Most commonly these individuals are sales managers, top sales people, operations managers, and the like.

Imagine you have a key person in your business and they happen to pass away. How would your business operate immediately after this crucial loss?

Would you run into potential risks? Could you potentially lose clients, vendors, or other important relationships because of that key person being lost? This is where a key life insurance policy comes in handy because it pays your corporation or your business a death benefit to offset the losses if that key person were to pass away.

Buy-sell arrangement

A buy-sell arrangement is designed to buy the shares of the heirs of a deceased partner. The way it works is simple. If you have a 50/50 split business ownership and your partner dies, typically the heirs of the partner take over. The challenge with this situation is you have a new set of owners with different ideals and desires. This may spell the doom of your business if the new partner’s goals don’t align with the goals you originally had for the business.

Truly the best way to handle these types of concerns is to simply offer a way out by setting up a buy-sell arrangement with a legal document. This would allow you to take full control of the business in exchange for buying out the partner’s share of the life insurance business.

Here’s how it works. The beneficiary on the insurance plan is the family of your partner. The corporation pays the bill for the insurance. When the partner dies, the beneficiary receives the death benefit from the life insurance policy, which stipulates that you will buy out the shares of the corporation.

This is a great strategy to protect the continuity of the business and put yourself in a good position financially to continue doing business.

At Buy Life Insurance for Burial we strive to find affordable life insurance coverage regardless of your age or health so that you can have the peace of mind that comes with knowing your loved ones are protected. We work hard to source competitive prices to meet your unique budget requirements and life insurance goals. Get in touch today for a free quote to get started. Call 888 626-0439 or submit a message in the box on the left hand side of the screen and we will be in touch within the next 24 business hours.

Case Study Examples

New home and a history of depression

I recently spoke to a body builder who had purchased his first home. He was faced with a six figure, 30 year mortgage and was concerned about what would happen to his family if he were to pass away sooner than expected and they had to keep up with mortgage payments.

This gentleman was concerned about his eligibility because he had a history of depression. While his depression was under control with medications, he feared it would shed a bad light on his application.

Because he contacted Buy Life Insurance for Burial, we were able to get this gentleman the best possible term life insurance coverage at a premium he could afford. He was happy with his option and was able to get first day, full coverage on the books.

Final expense coverage

A client looking for final expense coverage recently contacted us with the concern that her fixed income would stand in the way of getting quality, affordable coverage.

Based on the averages in her area, she knew burial expenses ranged from $7,000 to $12,000, an amount that would be far to much for her family to pay out of pocket if she were to pass away unexpectedly.  

Thankfully, this bodybuilder was able to get first day coverage and peace of mind because she contacted Buy Life Insurance for Burial for a quote. We were able to find final expense coverage to meet her fixed income requirements while getting quality coverage in place to give her peace of mind.

How much life insurance does a bodybuilder need?

work with the certified insurance broker for lower premiums

There’s a lot of discussion between financial advisors about how much life insurance is appropriate for an individual. I think the answer to that questions lies in another question. If you happen to pass away, how much coverage would you need in order to protect family and children that you leave behind?

The most common ratio is ten times your annual income. For example, if you make $100,000 annually, whether that’s through bodybuilding or through another outlet, you should have at a minimum one million dollars in life insurance coverage.

This amount generally does a good job of covering financial obligations such as mortgages and debt payments, while replacing your income over a longer period of time. This can hep your family with things like funding a retirement plan and giving them an overall large cushion of income to comfortably work through a tragic life event without dramatically altering their lifestyle.

Top 5 reasons why people buy life insurance from a broker

1.Want best rates
The biggest driver to consumers wanting to purchase life insurance from a broker is that they ultimately don’t want to pay more than they have to. Brokers represent not just one company but a variety of companies. With more options it typically yields to you, the consumer, a better overall package deal on rates. If you are looking for the best price for your life insurance, choose a broker like Buy Life Insurance for Burial to give yourself the best overall chance of success.

2.Wants the most coverage
In conjunction with getting the best price, under many circumstances you can also get the best value of coverage when working with a broker. Working with a broker allows you more underwriting accessibility. This allows the insurance agent to shop around to see which company offers the best coverage at the best possible price and in exchange maximize your overall coverage.

3.Wants client focused service
What’s unique about insurance brokers like is that we do a better job of servicing the interest of the client than those agents that represent only one company. The agents that represent one company literally represent one company. The interest of the company comes first relative to the interest of the clients.

This has many disastrous consequences, providing inadequate coverage, overpriced life insurance coverage, and an inferior quality of coverage that otherwise could have been found separately when shopping with a broker.

4.Bias reduction
While eliminating bias is not completely possible, bias is certainly reduced considerably when working with somebody who has access to multiple options for life insurance coverage. In exchange the best options rise to the surface and allow you to get the best possible chance for quality life insurance coverage.

5.Appreciates options
We’ve mentioned options several times in this area and that is really the founding principle of why it is important to work with a life insurance broker. Options matter – they make all the difference in the world to the consumer. That’s why we like shopping at Starbucks for our coffee because we can custom tailor our coffee drink.

The same goes for life insurance. Being able to custom tailor your program and fit your budget and needs is much better than only being offered one particular type of life insurance which may or may not be considered the best.

If you would like to know what you may qualify for, feel free to give us a call for a free, no-obligation quote. Call us at 888 626-0439 or send us a message with your contact details and we will be in touch soon. 

What factors affect the insurability of a bodybuilder?

In this section, I’m going to talk about the specific factors that most commonly affect a bodybuilder’s application for life insurance.


Your health will have a major impact on your ability to get life insurance. An insurance company typically will ask the following health related questions:

Do you have a history of:

  • Lung problems
  • Diabetes
  • Kidney problems
  • Liver disease
  • Heart disease or stroke, stents, bypass, congestive heart failure, pacemaker
  • Seizures
  • Aneurysms
  • Neurological diseases such as lupus, multiple sclerosis, Parkinson’s, Lou Gehrig’s disease
  • Mental health disorders such as bipolar depression, PTSD, anxiety, schizophrenia, Alzheimer’s, dementia

They will also ask if you have had any of the following:

  • Recent hospitalizations
  • Recent surgeries

All of these health aspects will be weighed independently to determine the outcome of your life insurance application.


Your age always has an impact on your level of insurability.

The older you get, the more likely you will pay a higher premium. However, make sure you work with a broker. We’ll talk more about that later to maximize the amount of coverage you can get with the life insurance company.


Smoking will have an effect on the availability of insurance. By smoking, I mean cigarette tobacco. Some companies offer an exception to this rule when it comes to cigars and pipes and may offer you a non nicotine rate if you do not smoke cigarettes.


Build is the biggest challenge that bodybuilders will face, especially if you are a heavyweight bodybuilder. As you may or may not know, life insurance companies judge an individual’s health based on the ratio between height and weight, commonly known as the body mass index.

Bodybuilders, especially those that carry lots of muscle mass, tend to have a tremendously higher than average body mass index for their height. However, unlike most people who have high BMI, meaning they are obese, bodybuilders may actually have a great body fat percentage and their BMI is not representative of their overall health.

How do you get around a high BMI concern when applying for life insurance?

Here’s how I help my body builder clients who have high BMI rates:

  1. First, we indicate in a cover letter included with your application the details of your body building career.
  2. We provide the insurance company with your body fat percentage and your overall health information.
  3. We provide any additional information needed to better clarify why your BMI is high to ensure the underwriters understand that this number isn’t representative of your overall health.

The reason we do this is because if the underwriters don’t fully understand your current health, it could impact your ability to get insurance or create a higher premium. Sometimes just an application isn’t enough to qualify you if you have a high BMI, so we have to add extra information with a letter to explain to the insurance companies that in fact your case for insurance is much less risky than they might initially believe.

By providing this cover letter, we’re able to potentially lower the overall price that you would pay. Understand that your situation is very different than a typical high BMI application from a person who is obese.


If your profession is bodybuilding, it’s likely that the act of doing bodybuilding will not be considered a high risk profession. However, if you participate in other kinds of professions that are high risk, such as law enforcement, working on an oil rig, working in commercial fishing, etc. you may experience higher prices for your life insurance.

Whether your profession is considered a risk or not, Buy Life Insurance for Burial will shop around with different companies to see if some companies will be more willing to work with a unique case like yours at a better price than others.


Lifestyle has a tremendous impact on a bodybuilder’s capability to qualify for life insurance coverage. Most likely what a company will be looking for are things like:

  • Traffic violations
  • DUIs
  • Criminal records
  • Credit history
  • High risk hobbies

Drug use

Not all bodybuilders will fit this bill, but some body builders do supplement with steroids or steroid equivalent type drugs. When asked on the application, do make sure that you fully reveal any type of supplemental drug usage that you participated in. Be totally transparent in this regard.

It’s important that when you apply for life insurance that you are completely 100% honest about all of the health questions you may be asked. The reason for this is that we don’t want to create an application where there is massive misrepresentation and the policy may not pay as it’s supposed to.

Being fully disclosing about all activities related to the questions at hand will give you the best chance for the best type of coverage that will actually be there when you need it most.

Stories from the field

Early in my life insurance career I was on my way to meet with a client when I came across an eye catching pink mail box with a matching pink Cadillac in the drive. Sure enough, this was the house where I was suppose to meet with my client. As I pulled into the drive out came a lady to greet me. Later I would learn her first name was Anita and her middle name was Lollipop. She invited me in and proceeded to tell me a story about her life insurance experience. 

I learned that Anita was one of the last people to leave New Orleans during  hurricane Katrina and that she had survived by swimming while hanging on to the back of a casket. She swam to an overpass where she waited for FEMA to come and take her to the airport. When her plane arrived she discovered Al Gore was the pilot – he had heard about her survival story and wanted to personally fly her to safety.

The point in all of this is that Anita had been taken advantage of by an insurance agent who had charged her more than $250 a month for an $8,000 final expense plan. Anita was in good health so there was no excuse for this excessive rate. She asked me if Buy Life Insurance for Burial could offer a better rate for coverage, so I set to work to find her an affordable life insurance option.

Long story short, we were able to get her equivalent coverage at a savings of $1,800 a year. She was incredibly grateful for the savings. Many people get taken advantage of every year by insurance agents who claim to have the best coverage in town. But the truth is that abnormally high rates need to be justified. 

Buy Life Insurance for Burial is able to shop the best coverage providers to find affordable, quality coverage so that you don’t have to pay more than you  have to.While I can’t guarantee every individual first day full coverage like Anita, I can promise to find the best possible coverage based on your health, age, and other factors.  

Strategies to get the best price on life insurance for bodybuilding

There are a number of ways to get a great price on life insurance if you are a bodybuilder. Follow one or more of these strategies to get the most bang for your buck.

Always shop with a broker

We here at Buy Life Insurance for Burial operate with a variety of different life insurance companies which allows us to shop around to see who’s going to give you the best overall price.

Other agents may only represent one company and that may be a problem if their underwriting is tight. They might not like to insure bodybuilders or they may simply overlook the cover letter. Instead, work with a broker like us so we can give you the best overall package deal.

Consider taking an exam

Most bodybuilders are in fantastic shape, are not on a lot of medications, they have good blood pressure numbers and they’re in good cardiovascular shape. If you take an exam while applying for life insurance, especially if you are looking for coverage over $500,000, you’ll find that your pricing is much better.

Why? When you take an exam it gives the underwriters the most up to date information regarding your current health. In turn underwriters typically give a better overall deal for your life insurance coverage, so it’s definitely worth consider doing an exam in order to get the best overall coverage.

Term vs. Permanent Life Insurance

David Duford, owner of buy life insurance for burial

Thanks for reading, and I hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Term insurance is life insurance that is temporary. Term usually covers 10, 20 or 30 years at level premiums, but cancels after the period is over. Permanent life insurance is designed to never cancel due to age or health. It guarantees coverage will be in force as long as the premium schedule is met.

Which kind of plan is best?

Four out of five Americans choose a term life insurance product because it covers the most common personal issues people have, such as replacing income and paying down debt obligations. A permanent product is more likely to be purchased for more long term coverage of things like a buy-sell arrangement and final expense coverage, and in some cases income replacement for older people.

If you’re looking for the best price and a plan that covers the run of the mill financial issues most people face, then a term insurance plan most likely will be the best policy to go with.

Term Life Insurance Rates

Term Life Insurance Coverage – 10 Year Term – $100,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage


Permanent Life Insurance Rates

Rates For $10,000 In Burial Insurance

Rates For $25,000 In Burial Insurance


$150,000 Whole Life Insurance, Life Pay

$250,000 Whole Life Insurance, Life Pay

I hope you enjoyed reading this article and found the information useful. Whether you are looking to protect your loved ones, cover final expenses, or replace your income, we can help. Give Buy Life Insurance for Burial a call at 888 626-0439 to speak to an expert broker who can explain your various options and give you a free quote in 10 minutes or less. Alternatively send us a message via our message board with your questions and the best way to reach you and we will contact within 24 business hours. Thanks for stopping by!


We work with individuals across the nation to secure the best life insurance rates.

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