If you’re thinking about getting life insurance for overweight individuals, you’ll want to look into several different aspects. First and foremost, you may want to consider the impact of being overweight on your health. Being overweight can have a number of different impacts on your overall health, including increased risks of heart attack, high blood pressure, type 2 diabetes, stroke, and many other serious medical conditions. While these risks do exist for everyone, being overweight is often characterized by higher rates of these issues.
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Life Insurance For Overweight Individuals
Furthermore, your physical health will be reviewed when you apply for a life insurance policy. Excessively large bones may be indicated by a high RMR (range of healthy weights) or by having abnormally low HDL cholesterol levels. Being overweight can also have an effect on your mental health, since people who are overweight tend to be diagnosed with depression more often than those who are in better health. Finally, your current health may impact your ability to get coverage. Many insurance providers require individuals to at least maintain an “average weight” rating before they’ll approve coverage.
After considering all of these different factors, it should be pretty easy to determine the right life insurance for you. As long as you can prove that you are in good health, there’s no reason why you shouldn’t get accepted into a policy that takes these factors into consideration. For example, if you have high cholesterol, a high HDL cholesterol level, or a condition such as diabetes, you’ll have no trouble getting approved for coverage. However, if any of these situations apply to you (and they should), you’ll definitely want to make sure to get a thorough medical exam first. The bottom line is that any life insurance policy worth purchasing requires a medical exam.