Big Build and Overweight Life Insurance Rates
Someone's build is an example of the oldest life insurance risk traits.
Beginning back in the early 1900's is when people who were described as being overweight were offered higher rated offers from the life carriers.
Often the way life insurance companies underwriters view weight loss is by looking back over the year to twelve month's or so and seeing quite how much weight has been lost. Once that number has been determined they may sometimes add back twelve the weight loss back in and see where you fit into the underwriting guideline manual. All the carriers have their own guidelines and some give credits in the underwriting process that would help you get an improved rate. If there's serious weight reduction concerned it's often thanks to a weith loss surgery such as lap band, gastryic bypass or stomach stapling.
Please give the following information to your broker or agent so they can discuss with the life carriers home office underwriter for best likely rating :
Current Height & Weight: Has your weight modified during the past year : If so how much: Have you had any weight reduction surgery : If yes please give details: Have you had any of the following : coronary artery illness : diabetes : high blood pressure : raised cholesterol or triglycerides [ lipid levels ] Are you on any medicines : If yes please give details: Have you smoked cigarettes in the last 12 months: If yes, please give details: Have you had stress electrocardiogram [ treadmill ] in the last year: Yes, was it ordinary : Yes, was it abnormal with detail: Do you have any other major health issues : If yes, please give details:
Providing this information to your life assurance Broker will significantly expedite the method on at least finding out what rate class you could possibly obtain.
Overweight Life Insurance
Beginning back in the early 1900's is when people who were described as being overweight were offered higher rated offers from the life carriers.
Often the way life insurance companies underwriters view weight loss is by looking back over the year to twelve month's or so and seeing quite how much weight has been lost. Once that number has been determined they may sometimes add back twelve the weight loss back in and see where you fit into the underwriting guideline manual. All the carriers have their own guidelines and some give credits in the underwriting process that would help you get an improved rate. If there's serious weight reduction concerned it's often thanks to a weith loss surgery such as lap band, gastryic bypass or stomach stapling.
Please give the following information to your broker or agent so they can discuss with the life carriers home office underwriter for best likely rating :
Current Height & Weight: Has your weight modified during the past year : If so how much: Have you had any weight reduction surgery : If yes please give details: Have you had any of the following : coronary artery illness : diabetes : high blood pressure : raised cholesterol or triglycerides [ lipid levels ] Are you on any medicines : If yes please give details: Have you smoked cigarettes in the last 12 months: If yes, please give details: Have you had stress electrocardiogram [ treadmill ] in the last year: Yes, was it ordinary : Yes, was it abnormal with detail: Do you have any other major health issues : If yes, please give details:
Providing this information to your life assurance Broker will significantly expedite the method on at least finding out what rate class you could possibly obtain.
Overweight Life Insurance
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