Overweight people can be underwritten for life insurance. Prudential is a leader in this area. The real issue with overweight prospects is usually additional impairments like diabetes, heart conditions, pulmonary problems or persons who also smoke.
Life Insurance can be complicated as different variables such as weight are outside of the parameters of most insurance companies. An overweight person will need an agent that has many options for life insurance. You might not need to do a medical exam and get the same rate with a non medical policy. An overweight person is often a great candidate for a non medical policy. Why go through all the hassle of the tests if it doesn't improve your premium?
You should look for both types of policies and determine if a simple issue policy is the best option. I just did a quote for a client where the non med was $1 more per month in premium.
Most overweight people can get life insurance. If overweight or obese, they can usually get any amount and type of coverage they desire. If morbidly obese, there are simplified issue or guaranteed issue policies that have no weight limit at all; however, they will have a low maximum face amount and only come in one or two types of coverage.
Contact an agency that specializes in overweight life insurance to find your lowest price.
Great question and I now have a Group policy available to individuals through a monthly membership and there are no medical questions asked and no exams. You must work at least 30 hours per week to be eligible. Example of coverage: 49 year old with $100,000 in coverage is $88.55 per month.
.JPG){kind=avatar}
You should look for both types of policies and determine if a simple issue policy is the best option. I just did a quote for a client where the non med was $1 more per month in premium.
You should find an agent that has both solutions.
Contact an agency that specializes in overweight life insurance to find your lowest price.