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Life Insurance for the Overweight Alamogordo NM

Along with age, medical history and lifestyle, life insurance companies take your "build" into consideration on your application. "Build" is your weight relative to your height. Life insurers use standard tables that combine weight and height in a chart to help determine what kind of risk you pose.

Max Leach (RFC®), CLU, RFP
(505) 344-2255
10308 Candelaria NE #345
Albuquerque, NM
Qualifications
Education: BS
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Family Offices, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Charitable Planning, BuySell, LiabCover, Compensation Plans

Data Provided by:
Mrs. Natalie Voskresensky (RFC®), MBA
(505) 858-2443
2 Juniper Hill Rd NE
Albuquerque, NM
Company
PLAN RIGHT, LLC
Qualifications
Education: MBA, Accounting Concentration
Years of Experience: 13
Membership
IARFC
Services
Invoice, Business Planning, personal Coach, Retirement Planning, Tax Returns, Employee Benefits, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Auto Home Insurance, Asset Protection, LiabCover

Data Provided by:
Colonial life
(505) 818-1051
P.O. Box 558
Albuquerque, NM
 
State Farm Insurance
(505) 293-1040
12408 Menaul Blvd
Albuquerque, NM
 
Ron Pino Agency
(505) 877-1391
3211 Coors Blvd SW Ste 12
Albuquerque, NM
 
Mr. Gerard W. De Long (RFC®), CSA
(505) 521-4434
1801 Pinehurst
Las Cruces, NM
Company
Las Cruces Investment Center
Qualifications
Education: BS - Aerospace Engineering, MS - Aerospace Engineering
Years of Experience: 38
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Education Plan, Healthcare Accounts, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Ron Siemon
8300 Carmel Ave NE
Albuquerque, NM
Company
Title: Investment Consultant
Company: LPL Financial
Type
Investment Advisor Rep: Yes
Service
Income for Life/ Preserve Principal,Life Insurance,Long-Term Health Care Planning,Retirement Income Accumulation Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Investment & Portfolio Management,Annuity Ideas & Strategy Planning,401k Rollover From Employer,CD Alternative,Annuities,Investment Consulting & Allocation Design,Asset Protection Strategies & Planning

Data Provided by:
Rick Paul Ins Agcy Inc - State Farm Insurance Agent
(505) 898-2356
1111 Alameda Blvd NW
Albuquerque, NM
 
Southland Life Insurance
(505) 255-5547
428 Louisiana Blvd SE
Albuquerque, NM
 
Franklin Insurance Agency
(505) 796-6296
7930 Wyoming NE
Albuquerque, NM
 
Data Provided by:

Life Insurance for the Overweight

Provided By: 

Life Insurance For the Overweight

Are you overweight? Are you otherwise healthy? You still might have a hard time buying life insurance. Even if you're not obese, there are some cases in which you'll have to pay more for life insurance.

In most instances, the heavier you are, the more you'll pay.

Along with age, medical history and lifestyle, life insurance companies take your "build" into consideration on your application. "Build" is your weight relative to your height. Life insurers use standard tables that combine weight and height in a chart to help determine what kind of risk you pose.

The more you weigh in relation to your height, the more potential you have for health problems. That's what the statistics say. Insurers will combine their unique claims history with those statistics to come up with their risk factor for you as a client.

The ideal life insurance customer is someone who is expected to live a long, healthy life. That means that the risk you pose to the insurer is low. Statistics consistently show overweight people pose increased insurance risks, because they are likely to develop health problems as they grow older.

At the same time, the average American waistline is getting bigger. Obesity is considered a silent epidemic. Weight related diseases like diabetes are also increasing at very high rates. Increases are evident regardless of sex, age, race and educational status. Since diabetes increases your risk of an earlier death, an overweight person poses a higher risk to insurers.

If you're just a little overweight, say about 10 pounds, you might see no difference in the life insurance rates you are quoted compared to a friend who is 10 pounds lighter and the same height. However, if you're severely overweight, you'd better budget more money for life insurance. Obesity is clinically diagnosed when you are 20 % or more over your ideal weight. At this level, your insurance rates will likely be increased.

A person can be denied life insurance at some companies if the person is morbidly obese even if that person does not have any other health problems. This is definitely something to keep in mind.

Many insurers will charge a hefty premium if you are 30 or more pounds overweight. This is especially true if other health conditions are also present. For that matter, even if you are just moderately overweight, life insurance could still cost more. People who are slightly overweight can be disqualified for a "preferred rate," which is a lower premium that rewards people who are healthy. For example, a person who is 20 to 30 pounds overweight and does not have high blood pressure or diabetes might get a normal rate, but they won't see the preferred rate.

What if you have actually been rejected because of your weight? Well, there are companies who specialize in insuring people with health problems, but you will have to expect to pay more and also get less death benefit. One way some companies insure obese p...

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