While it is true that a few extra pounds don't necessarily mean you're unhealthy, for the most part being overweight does increase your risk of illness and death. Obesity definitely makes you riskier to insure. That risk shows up in the size of your premium.
Being 50 or 60 pounds overweight can increase your premium by 50% over what you would pay at a normal weight for the same policy, and that's if you have no health problems. Add in any health issues such as cholesterol problems and your premium will likely be higher still. If you are having other problems as well, such as high blood pressure or pre-diabetes symptoms, you may find it difficult to get an affordable life insurance policy.
There is good news, though. If you lose the excess weight, you will often be able to shed problems such as high blood pressure along with it. Then when your weight and health are better, contact your insurance company for a reduction in premium. Don't wait until you've lost all the weight, either. You can continue to request premium reductions as you work your way to a normal weight
No comments:
Post a Comment