Life Insurance For Obese People

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We could obtain life insurance for large when other agents do not. Benefit House Insurance specializes in finding the best life for fat people. If you're worried about your chances of getting low cost life insurance because of your weight, you're certainly not alone. If you are about 10 pounds over their ideal weight, your insurance quote will not be affected.

However, if you are overweight, and especially if you have other medical conditions such as diabetes or hypertension, can have problems approved for life insurance. Your weight is determined by the amount of body fat to carry, which is calculated using height and weight to determine the body mass index. Obesity is not a vacuum; it can cause other serious health conditions, and thus affects your insurance rates.
The average person's body mass index (or height / weight) is approximately 23.

However, even if you have a BMI above 55, we are confident that we can find a life insurance policy. According to the CDC are overweight or obese increases the risk of the following conditions: cancer Coronary heart disease, gall bladder disease, hypertension (high blood pressure) Liver disease. Insurance companies all have their own underwriting rules, but generally you can get the best insurance, even if your BMI is 26 to 28. A BMI is likely to push you to the next rate class, called Favorites, which will cost more.

These guidelines are not etched in stone and there are many exceptions and differences between life insurers. Therefore, it is crucial to shop around for insurance quotes. If you are in a fair, you can find tips, you could also consider reducing the amount of your death benefit to reduce your premium. Seniors (65 or 70 years and older) are often held at a lower weight.

Even the weak is protected from weight-related orders. Many insurance companies have a minimum weight, too, and pay more when someone is considered insufficient. If you are in a difficult situation due to a combination of medical conditions such as obesity and hypertension, do not give up. There are brokers that specialize in finding life insurance for applicants with medical problems. For more information, read how the experts to find impaired risk insurance for people with medical problems.

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