Obesity is one of the most common health problems among people of all ages.
Is it possible to get life insurance with obesity?
The answer is yes, people with obesity can get life insurance. It is a fact that the life insurance provider will be aware of complications of your health condition and the same will reflect in the cover that you will get when you are overweight.
In general, you must be prepared for and expect to pay a higher premium as there are some obvious health risks of being overweight. Though, there might be some slight variations, which means, life insurance covers and costs can be different for men or women with obesity.
The process of calculating obesity (BMI):
Today, the process of determining if you are overweight is done by calculating your Body Mass Index (BMI). It is a simple calculation that is done by dividing your weight by your height.
- Underweight = below 17
- Normal = 18 – 25
- Overweight = 25 – 30
- Obese = 30 – 40
- Morbidly Obese = over 40
Some things depend on your medical history!
According to your entire medical history, some life insurance providers can add exclusions to the policy, you need to understand these key points very carefully.
How does it affect life insurance?
It is important to note that some life insurance companies will change their policy for overweight people as per the way someone’s weight changes. This means if you lose weight while you have a policy you are eligible for a cost-effective option. The insurance company may ask for a doctor’s certificate to prove that the weight-loss is fair.
Consult professionals for more details:
If you are overweight and still want to get a life insurance policy that is suitable for you, feel free to consult our insurance professionals.
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