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High risk Life Insurance applicants living in Savannah, GA or Hilton Head, SC have an amazing resource for information at our website. If you suffer from a serious condition such as obesity, diabetes, or parkinsons then you might feel like getting life insurance is impossible, but it isn't. |
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| Author: Matt Rubin |
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Life Insurance applicants suffering from obesity are also at risk for numerous other illnesses, including heart disease, high cholesterol, hypertension, osteoarthritis, sleep apnea, some cancers, stroke and diabetes; all of which can impact how long a person lives. Covering a person who is severely overweight then becomes a significant risk for life Insurance Company.
Most Insurance Companies evaluate their acceptance of coverage and premiums based on medical research that determines the average life span based on many factors, including their weight and overall health.
Many life insurance companies measure a person's build or body mass index to determine how much to charge that person for insurance. That is, they are looking at how much that person weighs relative to his or her height. This calculation is quickly captured in the Body Mass Index, or BMI formula. A BMI of 25 to 29 is considered overweight and a BMI of 30 or higher is considered obese. Although each has its own underwriting risk class, the best rates are given to those who are at an ideal weight and have a BMI below 25. Still, being five to 10 pounds overweight is not much cause for concern when it comes to life insurance, but the higher the BMI, the further up the risk chart a person goes on life insurance underwriting tables.
Applicants that are overweight will need to pick the right Life Insurance Company because different Life Insurance Companies use different body mass index build charts so one Company will have a very different premium price than another Company. You don't need to be an expert when you can call one.
About Author
Matt Rubin
I have been a life insurance agent for 6 years. Savannah Life Insurance Savannah Life Insurance applicants can learn more by visiting our website at http://www.lifeinsurancesavannah.com
Article Source:
http://www.1888articles.com/author-matt-rubin-36042.html
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