Articles Editor's Blog Reader Mail

Life Insurance for the Overweight Pawtucket RI

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.

Mr. Michael W. Aragao (RFC®), MBA
(401) 475-7570
2374 Diamond Hill Rd #3B
Cumberland, RI
Company
M.W. Aragao Investment Advisors
Qualifications
Education: BSBA, MBA
Years of Experience: 10
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, personal Coach, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Stocks and Bonds, Mutual Funds, Mortgage Loans, CommOptions, CD Banking, Annuities, Life Insurance, Business Coach, Charitable Planning, Education Plan, Asset Protection, Compensation Plans

Data Provided by:
Gayle M. Jendzejec (RFC®), CEP, CLU
401 821 0080 x12
875 Centerville Rd Bldg 1-B
Warwick, RI
Company
College Advisors Group, LLC
Qualifications
Years of Experience: 25
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Family Offices, Mortgage Loans, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
Lee A. Duckworth (RFC®), CFP
(401) 885-1060
1300 Division Road , Suite 203
West Warwick, RI
Company
Capital Wealth Management, Inc.
Qualifications
Education: BS
Years of Experience: 19
Membership
IARFC, FPA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Executive Compensation Planning, Retirement Planning, Employee Benefits, Annuities, Life Insurance, Disability Income Insurance, Education Plan

Data Provided by:
Mr. John J. Barry (RFC®)
(508) 660-9166
1510 Washington St
Walpole, MA
Company
Barry Financial Advisors
Qualifications
Education: Suffolk UniversityBoston, MassachusettsBachelor of Science - Government
Years of Experience: 8
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Tax Planning, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Charitable Planning, Education Plan, Asset Protection, Compensation Plans

Data Provided by:
Gayle M. Jendzejec (RFC®), CEP, CLU
401 821 0080 x12
875 Centerville Rd Bldg 1-B
Warwick, RI
Company
College Advisors Group, LLC
Qualifications
Years of Experience: 25
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Family Offices, Mortgage Loans, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
Lawrence M. Thomas (RFC®), CSA
(508) 699-3080
1 George Leven Dr., #100
North Attleboro, MA
Company
Total Asset Design
Qualifications
Years of Experience: 29
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Tax Returns, Employee Benefits, Mutual Funds, Mortgage Loans, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Auto Home Insurance, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. Lawrence M. Halperin (RFC®), RFP
(401) 738-7776
3616 Post Road
Warwick, RI
Company
Halperin & Company
Qualifications
Education: FOR FURTHER DETAILS I RECOMMEND YOU GO TO MY WEBSITE AT WWW.HALPERINCO.COM AND IT WILL PROVIDE YOU WITH A BRIEF SUMMARY OF MY CREDENTIALS, FURTHER DATA WILL BE PROVIDED ON REQUEST.
Years of Experience: 44
Membership
IARFC, MDRT, FPA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Charitable Planning, Education Plan, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. Joseph C. Connolly (RFC®), CHFC, CLU, CSA
(508) 698-3344
Pine Brook Office Park
Foxborough, MA
Company
Connolly & Associates, Inc
Qualifications
Years of Experience: 34
Membership
IARFC, SFSP
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Tax Planning, Seminars Work, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Charitable Planning, Education Plan, Asset Protection, BuySell, LiabCover, Compensation Plans

Data Provided by:
Shove Insurance, Inc.
(401) 431-9200
376 Newport Avenue
East Providence, RI
 
Lee A. Duckworth (RFC®), CFP
(401) 885-1060
1300 Division Road , Suite 203
West Warwick, RI
Company
Capital Wealth Management, Inc.
Qualifications
Education: BS
Years of Experience: 19
Membership
IARFC, FPA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Executive Compensation Planning, Retirement Planning, Employee Benefits, Annuities, Life Insurance, Disability Income Insurance, Education Plan

Data Provided by:
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...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap