Have you been declined for life insurance due to Obesity?
We can help! At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Obesity? And if so…
2. How much will it cost?
Yes, most individuals with Obesity will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – A best case that can get a “Standard” rating would be a person whose age is less than 65 years old, height is 5 feet and 10 inches and weighs 265 pounds or less. If, however, the person is more than 65 years old, the allowed weight is up to 278 pounds. A “Mild Substandard” rating, on the other hand, is given to those whose weight is up to 341 pounds. Click here for quote at “Standard” or “Mild Substandard”.
Moderate Case – Moderate cases that are rated at “Medium Substandard” are those whose ages are 65 and below with height of 5 feet and 10 inches and weighs between 342 to 356 pounds. Click here for a quote at “Medium Substandard”.
Severe Case – Severe cases that may get a “Severe Substandard” rating are those whose ages are 65 years old and below, with the same height of 5 feet and 10 inches and with weight ranging from 357 to 389 pounds.
For those who will not qualify in any of these ratings and weighs up to 420 pounds may qualify for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
How many years since you were diagnosed with Obesity?
The length of time that a person suffers from Obesity increases the risk of developing more medical conditions and, therefore, raises the chance of getting higher standard rates.
Have you been diagnosed with medical conditions related to your obesity?
Medical conditions like type 2 diabetes, heart disease or osteoarthritis are some of the diseases that may be due to Obesity. Presence of these cases may get you a Mild, Medium or Severe Substandard rating.
Are you taking any medications?
The need for maintenance medications for heart conditions, kidney symptoms, lung complaints, liver disorders, cancer, infection or bone problems like osteoporosis may be associated with your Obesity, which may get you an automatic decline.
Do you have regular check-ups with your doctor?
Regular visits to your doctor mean that your condition is closely monitored and may show the actual state of your health. This may earn you a Medium or Severe Substandard rating class.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests are the best way to assess your actual health condition.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “Standard” to “Severe Substandard” so you understand the range of possibilities.
Do you practice a healthy lifestyle?
Faulty lifestyle such as smoking, alcohol, stress, lack of exercise and poor eating habits may affect your overall health tremendously. Therefore, your rating class will also increase or worse you may be declined.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Obesity
Obesity is a term used that refers to a medical condition among people with excess body fat and those who have gained 100 pounds or more or twice their ideal body weight.
Persons with Obesity present a higher risk of developing other medical conditions such as type 2 diabetes, cardiovascular diseases, asthma and arthritis. They also suffer from psychological conditions as depression, low self-esteem and impaired body image. In worst cases life expectancy is relatively reduced.
There are factors that contribute in the development of Obesity which include faulty eating habits, lack of exercise and genetic makeup.
Related Keywords: obesity, overweight, excess fat