You may have to give up those frequent trips to your favorite San Antonio fast food restaurants if you want to be able to buy an affordable life insurance policy in Bexar County or Comal County, Texas. Your expanding waistline can affect the price you have to pay to get a life insurance policy, and if you are morbidly obese, prevent you from buying one entirely.
Insurance companies will measure and assess risk before they will issue a life insurance policy. It is well established that people who are obese have a greater risk of heart disease, type two diabetes and other diseases and medical conditions that can lead to a premature death. It is quite common for individuals with a weight problem to have high blood pressure and sleep apnea, both of which can be quite hazardous to your health.
While guaranteed acceptance life insurance allows just about anyone to get some coverage without having to take a medical exam or answer any medical questions, you will pay a very high premium for a small amount of life insurance. For term and whole life policies, you will usually be required to have a blood test, get your weight, height and waistline measured and have your blood pressure taken.
If you are 10 or 15 pounds over your ideal weight for your height, and have no other medical conditions, you will probably be placed in a preferred plus category of risk which will get you the lowest premium on your life insurance policy. If your Body Mass Index is approaching 30, the point at which you are considered obese, you might be put in the preferred category and pay a little higher premium. Once you get close to 40, or the threshold for morbid obesity, you may be unable to get an insurance company to offer you a policy.
If you need life insurance and are worried that your weight will make it difficult to get a policy, give us a call. An independent agent will give you some good information and help you get the coverage you need.