Life Insurance for Obese People – How to Get The Best Rates?

People with weight problems are not always eligible for life insurance. Companies rely on the Body Mass Index to determine if a person is overweight or not. Well, this type of condition is quotes visible and you do not have to be a genius to see that a person is obese or not.

obesity_Life_insuranceStill, the companies will try to be polity and will ask for the weight and height of the individual. By applying a simple formula the company will determine the BMI. That person is considered obese if the BMI is higher or equal with 31. Still, there is still hope. This blog talks about life insurance for obese people and how to get the best no exam life insurance rates.

No medical exam life insurance policies allow coverage even for people with weigh problems. Clearly, this condition will be charged extra by the companies that sell you insurance. Still, there are some factors and activities that may lower the price. First of all, the cause of your obesity will influence the cost.

If the answer is “unhealthy diet”, you may still get a chance for better rates. A bad diet is more convenient than a genetic diseases or a hormonal dysfunction because it can be managed. So, changing your diet or telling the company that you decided to visit a nutritionist and adopt a healthier diet will improve the chances of getting a cheaper policy. You can also bring a signed recommendation from your nutritionist. Going to gym is another great option.

Not having a cardiac disease is another positive factor. Obesity leads to several unpleasant medical conditions. Heart diseases and diabetes are amongst the worst. Arteries will clog or the liver will not be able to assimilate all the sugar from blood.  Again, some medical records will be useful.

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