WILL AN APPLICANT BE QUALIFIED AFTER SUCCESSFUL MEDICAL SURGERY OF WEIGHT LOSS
One can qualify for a life cover after a medical surgery associated with your weight has been performed, for instance, gastric bypass. For approval purposes, the condition needs to be mild and an insurer would consider you staying for at least 6 months before you embark on the life insurance policy, after the bariatric operation. Some of the insurance providers in Britain usually add on top of the normal rates some extra fees but still, there those insurance companies who are ready to provide a policy at standard rates despite the surgery.
An application is formally surrendered to the insurer as well as a medical report from a General Practitioner before moving ahead to impose standard fees on your policy.
Due to your overweight, if you choose to go the surgery way, focus on taking necessary measures to improve your medical health status, after the bariatric surgery.
THE PROCESS OF UNDERWRITING
The underwriting procedures is a requirement when it comes to determining the status of your policy application. This aids the insurer to analyse and determine the rate at which to place your life insurance policy. The whole procedure should not stress you up since it’s a way of sourcing information from an applicant to aid in providing whole information.
Through the process, ensure transparency in terms of being honest when disclosing your health status with the underwriters since it’s determinant when it comes to getting a successful application on your life coverage.
THE MOST LIKELY OUTCOMES
After underwriters assess and explore your detailed information, it can result in the following. Individuals having good health after the surgery may be approved for an inexpensive cover. Ratings based on average weight, height and health condition can subject you to insurer’s standard rates. The encouraging part of it is, after weight loss surgery, every individual applicant for Life insurance policy can qualify and get an approval thereof.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00