Does Your Weight Affect Your Life Insurance?

June 30, 2017

Do you struggle with your weight? Are you worried about the affects it may have on your life insurance premium?

If you’ve answered, “Yes!” to this question, then you’re not alone. The most recent statistics from the Centers for Disease Control and Prevention show that more than 70 percent of U.S. adults aged 20 years or over are overweight, and almost 38 percent suffer from obesity.

Being Overweight Affects Your Insurability

Sadly, being overweight or obese can cause or worsen a long list of serious health conditions, including high blood pressure, metabolic syndrome, heart disease, diabetes, stroke, and cancer. It can also contribute to mental health problems such as depression, anxiety, and eating disorders. Additionally, recent studies have found that it significantly reduces life expectancy.

It’s not surprising, therefore, that if you’re overweight, it will impact your insurability. Insurers will consider the following:

• How overweight are you? Obviously, the more you weigh in relation to your height and body type, the more serious the health risk.
• How long have you been overweight? Is this a relatively new development or a long-term condition?
• Why are you overweight? Are you less mobile than usual because you broke your leg? Or do you simply consume too many calories?
• Do you have any health complications? Do you have asthma, high blood pressure, or diabetes?
• Are there relevant lifestyle factors that could affect your risk? Do you exercise? Do you smoke? Is your job stressful?

Life Insurance companies assess all of these factors in order to determine your risk classification and subsequently, your premium. The more risk factors you have, the more likely you’ll be classified as substandard, which will result in higher premiums.

Sustainable Weight Loss Can Lower Your Premiums

If you’re paying high premiums because of your weight, then the good news is that losing weight can lower them. However, it’s important to understand that you need to lose sufficient weight for your insurer to adjust your risk classification. Plus, the weight loss needs to be sustainable for the long term. Most insurers require you to maintain your new weight for a minimum of 12 months. Since weight isn’t just determined by lifestyle factors but also genetics, health conditions, and even prescription medications, it can be advisable to visit your primary care physician to create a weight loss plan that’s realistic and responsible.

Get Advice From an Independent Life Insurance Agent

If you’re looking to purchase life insurance and you believe your weight might impact your insurability, you’re best advised to work with an independent life insurance agent. The team of experienced professionals at Liberty Financial Group can help you determine which insurer will give you the best coverage and premiums, even if you have health complications. Additionally, if you’ve lost weight and are in better health than when you bought your policy, they can guide and support you through the process of requesting a reassessment. So don’t let your weight discourage you from getting the protection you need to keep your loved ones safe: Contact Liberty Financial Group today.

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