Founder, Abrams Insurance Solutions, Inc., San Diego, CA
An obese person may be able to get life insurance depending on their exact height, weight, and other health issues (if any). Insurance companies have guidelines that they use to rate a person and these ratings dictate the premium that you will pay. A substandard rating will pay a higher premium than a preferred rating. It is important to discuss your overall health profile with a knowledgeable advisor who can provide guidance on the possibility of obtaining life insurance and what company will provide the best offer for your unique circumstances.
Yes, obese persons can get life insurance as long as they do not have any health conditions that cause them to be declined. There are policies out there even for obese persons with poor health.
Several life insurance policies do not have any height and weight charts at all. Contact an agency that specializes in overweight life insurance to obtain a personalized quote for life insurance for persons who are overweight, obese, or morbidly obese.
That is a great question! This is one of the occasions where an independent agent is really worth finding. They can look at several companies for you, and look for the best company for you. There are some companies that will look at your weight seriously as a consideration, ( too heavy, and too thin) some that give it some consideration, and some that don't ask at all. After finding one of them, it will come down to your health, and what issues you have. If you would like some help, please don't hesitate to contact me, okay? Thanks for asking!
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Several life insurance policies do not have any height and weight charts at all. Contact an agency that specializes in overweight life insurance to obtain a personalized quote for life insurance for persons who are overweight, obese, or morbidly obese.