Overweight build and Life Insurance

Overweight or Build Life Insurance

Someone’s build is one of the oldest life insurance risk characteristics. Starting back in the early 1900′s is when people who were described as being overweight were offered higher rated offers from the life carriers.

People who are deemed overweight or having build issues statistically have and increased risk for Coronary Heart Disease, Diabetes, Hypertension and Hyperlipidemia. This is whey the underwriters have build chart guidelines that they follow in underwriting someone’s life.

Please give the following information to your broker or agent so they can discuss with the home office underwriter for best possible rating:

  • Current Height & Weight:
  • Has your weight changed in the past year:
    • If so how much:
  • Have you had any weight reduction surgery:
    • If yes please give details:
  • Have you had any of the following:
    • coronary artery disease:
    • diabetes:
    • high blood pressure:
    • elevated cholesterol or triglycerides (lipid levels)
  • Are you on any medications:
    • If yes please give details:
  • Have you smoked cigarettes in the last 12 months:
    • If yes, please give details:
  • Have you had stress electrocardiogram (treadmill) in the last year:
    • Yes, was it normal:
    • Yes, was it abnormal with details:
  • Do you have any other major health issues:
    • If yes, please give details:

Providing this information to your Life Insurance Broker will greatly expedite the process on at least finding out what rate class you could possibly obtain.