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There are couples of factors which are considered while approving someone for a life insurance policy. Weight is one of the most important factors which can affect the monthly premium rate of a life insurance majorly. Life insurance for obese people becomes expensive as obese people are always in health danger.

Obese people life insurance needs some additional health history report for approval. The insurer will ask for complete health status so that they can determine the risk.

Available Options and Approval

People have obese can obtain life insurance, term and whole life insurance both can be purchased by obese people. Even if you are considered as a high-risk client, you should go for a life insurance that requires a medical exam.

Guaranteed acceptance life insurance is always very costly, so go for it only if you don’t have any other choice, find the policy here.

The cardiovascular system of the human body gets affected very badly because of over-weight. The human body can be damaged greatly if the system fails to work properly, it is a very high-risk issue for the life insurance companies.

According to the US Centers for Disease Control and Prevention Report, over-weight can increase the chance of facing the following diseases:

  • Stroke
  • Sleep Apnea
  • Liver Disease
  • High Blood Pressure
  • Heart Attack
  • Heart Disease
  • Osteoarthritis
  • Cancer
  • Diabetics

To approve a policy, an underwriter considers all these things and it increases the cost. Obese people may need to pay up to 300% more than a person with a fit body.

There are some other issues which affect life insurance premium. The insurer will review your age, gender, marital status, alcohol or nicotine usage, smoking habits, income source, and occupation.

Family health history is also important to obtain a policy.

The underwriter may also ask you to lose some weight so that they can consider you a policy without any medical exam.

How to Find a Policy?

While finding a policy you must remember that each of the insurance companies has their own policy and it varies. Without comparing the rates of different companies you cannot determine which one is the best for you. Different companies will treat you differently, so you must compare the quotes.

You can apply for free quotes from this page. Getting the quotes is completely free, so you must try to get the maximum quotes so that you can get an idea of the entire life insurance market.

Body weight has a great impact on life insurance costs. Nothing to lose hope; you can apply for free quotes, compare the rates and find the best one.