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LIFE INSURANCE WHEN OVERWEIGHT AND/OR OBESE

Being overweight is one of the most difficult challenges to overcome when it comes to life insurance because insurance companies use ones’ height to weight ratio to make a wide range of assumptions about your overall health!

This is because…

The life insurance industry as a whole views being overweight or obese as a serious health condition.  Which means that if you’ve been diagnosed as being obese or even a little overweight, there’s a pretty good chance that your weight is going to play a direct role in the outcome of your life insurance application.

The good news is that…

Not all life insurance companies are going to use the same height and weight ratio charts during the underwriting process and “some” life insurance companies will also take in account that some people may just not “fit” into a “one size fits all” type of underwriting guideline and will look at other factors such as one’s:

  • Blood pressure levels,
  • Cholesterol levels,
  • Blood sugar levels,

As well as other factors which could “theoretically” allow an “obese” applicant qualify for a policy that they would otherwise not be eligible for.

Additionally…

When it comes time to apply for life insurance, you may be surprised by what an insurance company considers “obese”.  For example, a 5’ 9” male with most life insurance companies can weigh in at 222 lbs and still qualify for a standard or normal rate, so it’s not like insurance companies are expecting you to be a super model, they’re just looking for someone to fall within a health range.

It’s all about your height and weight ratio.

Just as every life insurance company is going to have their own differing opinions on health problems, and life style choices (smoking vs non-smoking); they’re also going to have different views when it comes to what represents a health height/weight ratio.

This is why it’s so important that when you choose to apply for coverage, you specifically ask which life insurance company is going to have the most favorable height/weight ratio so that you immediately give yourself the best opportunity for success.

That being said however…

There’s more to getting a great life policy than simply finding the insurance carrier that offers the best height to weigh ratio allowance.

HEALTH COMPLICATIONS

Before we discuss how you can get a life insurance if you are overweight, it is important to note that some health complications that have risen as a result of you weight gain will affect the process slightly. Being overweight for long periods of time can cause health issues like high blood pressure, kidney disease, type 2 diabetes, heart disease, cancer and so much, much more.

This is why in addition to understanding what your current height and weight is, ensuring that you find the “best” life insurance company for you, your life insurance agent is also going to need to learn more about your overall health status and understand if you have any other pre-existing medical conditions other than your weight.

If so…

What you may find is that your “other” pre-existing medical condition may take precedence over your “weight” issue, in which case, going with the most “weight tolerant” insurance company may not be in your best interest, we may now want to consider a different insurance company, one that may be more tolerate of your “other” health issues.

CONFUSED?

Don’t be.  You see, here at InsuranceBrokersUSA we have tons of experience helping folks find great life insurance coverage despite a wide range of pre-existing medical conditions which can complicate the process.

And the one thing that we’ve found…

Regardless of what “type” of pre-existing condition that we’re talking about is that having a ton of options to choose from nearly always helps us meet our client’s needs.  You see, here at InsuranceBrokersUSA, we have chosen to remain an independent life insurance brokerage that is able to work with dozens of different life insurance companies.

Which means that…

We don’t have to simply rely on just one or two different life insurance companies when it comes to helping our clients.  Instead, we can simultaneously “shop” dozens of different life insurance companies at once and make them “compete” for your business.

Additionally…

We also like to offer our clients with a wide variety of insurance times ranging from fully underwritten term or whole life insurance policies that will require an applicant to take a medical exam to simplified issue life insurance policies that will allow you to skip the medical!

It’s all about what works best for you!

So, what are you waiting for?  Give us a call today and see what we can do for you!

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