Individuals who are overweight have the likelihood of being attacked by key diseases like heart disease, Depression, Type 2 Diabetes, Cardiovascular problems. If you had not considered getting Obesity Life Insurance before, now may be the best time to put some thought into it because of these risks.
Legal and General Assurance will offer you affordable premiums at variable rates for Life Insurance with obesity and BMI.
There are some certain factors such as your BMI, GP medical records, lifestyle and medical records, that will affect your application and cover procedure.
CAN I GET A LIFE INSURANCE WITH AN EXTREME BMI LEVEL?
Individuals who have a high Body Mass Index are treated with special insurance rates from L&G which are sometimes higher. In other situations, the application gets rejected if risks reviewed by underwriters are high and beyond control.
As part of the underwriting review, people who are overweight carry high risks of death and disabilities. Still, they do possess some related complications such as high cholesterol levels, cancer and high blood pressures. All these risks can impact your life insurance and premiums quoted for your policy.
HOW YOUR GENDER AND AGE AFFECTS YOUR APPLICATION
Life insurance with Obesity and BMI from L&G Assurance can also be affected by a few things like gender and age of a client. During the underwriting review, you are presented with insurance tables used to calculate your possible monthly/annual contributions.
The general costs for a cover increases as one gets older hence risks involved do adjust with an individual’s age and therefore, a medical report may be termed necessary by assessors. Taking a glance at the gender factor, women normally pay minimized premiums compared to men since some figures and statistics show that females tend to have a higher life expectancy than men.
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