It’s no secret that obesity can kill. Being even slightly overweight can come with significant health risks including things like increased risk of heart disease, cancer, and more. Still, nearly 40% of the US population is obese, and that number is increasing every year.
In the past, obesity was a roadblock for those looking to invest in final expense insurance, and getting a burial insurance policy that was affordable was nearly impossible for those who were overweight. But today, you have more options than you might realize and getting protected is much more possible.
The Heavy Impact of Weight
Let’s get this out of the way up front – your weight will have a direct impact not only on your potential life expectancy, but also on the overall payments of your insurance coverage. Heavier people simply end up paying more for health or life insurance because they are an increased risk to the insurance provider.
But, there are several insurance companies that have burial insurance policies that have their own unique height and weight guidelines in place. One may turn you down, one may cost a fortune, and another may be a great option that accepts you and charges you very little. The key is shopping around to make sure you find the policy that works best for you and your needs.
Getting A Policy
However, just because a company will insure the overweight, it doesn’t mean they won’t want to know some things. In general, insurance companies offering burial insurance look instead at things like your overall health, your cardiovascular health, underlying conditions, and more. For instance, they may ask if you use a motorized scooter or wheelchair. They may ask if you have diabetes or request a list of your prescription drugs.
The bottom line here is that you won’t be turned down based on being overweight. Instead, you’ll be potentially turned down simply because of health factors, not obesity. Increased risk of death is increased risk for the insurance companies, which is why it can be harder to get a policy for yourself.
Finding Your Policy
There are a couple of things to keep in mind when you start looking for burial insurance. First of all, work with an agent that has your best interests in mind. They can usually find you a policy that works for your needs and help get you the coverage that you deserve. Additionally, don’t’ just assume that you have to wait for a better rate – your health could diminish over time and it may actually become more difficult to get a policy.
The best advice for those who are overweight and looking for health insurance is simple – take the time to find a policy that works for you. Shopping around is important, and well worth taking the time to do. If you spend some time you’ll be able to find a policy that gives you protection, keeps you and your loved ones free from stress, and ensures that you remain covered. Contact our team to make sure you get the best policy for your needs.