Life Insurance And Overweight Individuals

​Life insurance for overweight people may be difficult to get since obesity may cause various chronic conditions, including cancer, diabetes, hypertension, osteoarthritis, and stroke. Obesity is directly responsible for the deaths of over 300,000 individuals each year. Therefore, obesity may affect your life insurance premiums as a result of these issues.

Certain height-to-weight ratios have been related to better health by the Centers for Disease Control (CDC). Life health insurers apply this information to develop their underwriting tables and establish premiums. According to CDC standards, persons who are overweight or obese have higher life insurance premiums, but this will not affect their ability to get life insurance.

How much information about your weight does a life insurance company need?
The weight of a policyholder is often important information since other disorders, such as polycystic ovary syndrome (PCOS), insulin resistance, and other diseases, may sometimes induce weight gain. Life insurance companies use BMI to determine whether or not you are a high-risk candidate because of your weight. According to the CDC, a person's BMI may be used to determine whether or not they are obese.

If you have a high BMI, insurance premiums may be higher. BMI may be useful in determining your weight for insurance purposes. It does not replace needing a personal medical examination or continuing treatment. Make an appointment with your doctor if you're worried about your weight.

Factors that Might Impact the Cost
The cost of your life insurance may also be affected by several other factors, including your body mass index (BMI).

Weight-Related Conditions
If you don't do anything about it, gaining too much weight can hurt your health. The CDC says that being overweight can harm your mental health and make you more likely to get diabetes and heart disease.

Lifestyle Habits
Drinking and smoking are examples of unhealthy habits that could put your health at risk, which could affect how much your life insurance premium costs.

Medical History of the Family
Your insurance company will probably want to know about your family's medical history, including any conditions or diseases of those that have died. This information and your health are usually considered when setting rates.

Conclusion
Your weight is simply one aspect of your life insurance application. Suppose you healthily reduce your weight and can maintain the loss for at least a year. In that case, you may be qualified for a more favorable insurance classification. If you reside in Miami or Miami gardens, you can work with us at Insurance Plans of America to get your policy started. 

At Insurance Plans of America, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (877) 752-6711. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!