Does Being Overweight Affects Life Insurance Coverage?

December 1 2008 by visitor in Orlando Life Insurance |Comments Off

Reader’s Question:

I’m a bit overweight, would that affect my life insurance policy here in Orlando, Florida?

Juliet

Orlando, FL

Good Question. Depending on how “a bit” overweight you are, excessive weight or downright obesity can heavily influence your life insurance premiums there in Orlando, Florida. According to ObesityinAmerica.org (ref. http://www.obesityinamerica.org/bythenumbers.html), about 127 Million adults in America are considered to be overweight and out of that, 60 million people are obese, and 9 million are tagged as extremely obese. And it doesn’t end there, 15% of children and adolescents are also considered overweight. With these numbers, the risk of dying pre-maturely due to obesity related illnesses such as diabetes and heart attacks are also increasing. It will only be natural for life insurance providers to increase their rates for people who are tagged as obese or overweight to compensate for the big risk their taking by providing coverage for such as “high-risk” segment of the population.

By going online and utilizing the search engines of most life insurance portals, you can actually compare the differences of rates and premiums between an individual with normal body weight and one who is overweight or obese (the website will ask you for your age, height and weight, among other things). Most of these life insurance portals can provide accurate quotes across several different life insurance providers. The individual’s age has the potential to further compound life insurance rates further. That shouldn’t stop you from going Online and comparing the lowest rates available for you though.

Tags: , , , , , , , ,

Comments are closed.

« »