johnson & higgins insurance

It's no secret having health problems can make it harder for you to buy life insurance. High blood pressure, diabetes, and heart disease are among the conditions that can make it difficult to buy life insurance.

If you are overweight, but otherwise healthy, you still have a hard time buying life insurance. Even if you are not obese, there are some cases where you have to pay more for life insurance if your weight at a certain level. In most cases, the heavier you are, the more you pay.

It's All About "" Build ""

Together with the age, medical history and lifestyle, life insurance company, your "build" relevant to your application. "" Build "is your weight in relation to body size. Life insurers use tables, which are the two factors to determine what kind of risk you represent. (See the American Medical Association, the table at the end of this article.)

The more you weigh in relation to your height, the more potential you have for health problems. The ideal life insurance customer is someone who expects to live a long, healthy life. Statistics show overweight people are higher insurance risks because they are likely to develop health problems as they grow older. According to a study published in the Journal of the American Medical Association, obesity is 280,000 deaths annually in the United States.

The average American waistline is growing. In a study published in the journal of the American Medical Association (JAMA), the Centers for Disease Control and Prevention (CDC) reported obesity rose from 19.8 percent of American adults to 20.9 percent from 2000 to 2001. The CDC also diagnosed cases of diabetes rose from 7.3 percent to 7.9 percent during the same period a year ago. The increases were evident regardless of sex, age, race and educational status.

"Obesity and diabetes are among our top public health problems in the United States today," says U.S. Health and Human Services Secretary Tommy Thompson. "" The good news is that diabetes and other chronic diseases can be prevented with small lifestyle changes. "

The more you weigh, the more pay

If you have only a little overweight, say about 10 pounds, you can see no difference in the life insurance rates you quoted. However, life insurance for overweight people can be expensive. If you are severely overweight, you better budget more money for life insurance.

Steve Zitney, senior consultant agency with one of the leading insurance company, says a person can be denied life insurance at his company if the person is "most dramatically overweight or obese, even if he does not have other health problems. The company will also result in higher premiums if your weight is much more than it should be in relation to your height.

Of course, insurance for overweight people will be more expensive than the slightly overweight. If a 40-year-old, 6-foot-high men is 270 pounds, he will have to pay 15 to 20 percent more than one person, the ideal weight, Zitney says. If the person who weighs 300 pounds or more, Zitney says that the number jumps to 30 to 35 percent.

Many other large life insurers to adopt a similar approach for risk assessment. David Potter, a spokesman for the Hartford, said that the people who are at 150 percent of the desired weight is to increase the premium. Even in these cases, the more weight you carry, the more your premium. "" It is possible to be rejected by weight, but it is rare, "says Potter. "" Most people with weight problems have other health problems such as high blood pressure and high cholesterol. ""

Life insurance for overweight individuals, even moderate, it could still cost more. People who are slightly overweight can be disqualified for a "Preferred Rate", "which is a lower premium rewards that people who are healthy. For example, a person who is 20 to 30 pounds overweight and no high blood pressure or diabetes can be a normal, but they will not see the best price. Life insurance for overweight people

Dog weight problems, whether you opt for permanent or term life insurance. Actuarial survival based on mortality. It will not be different if you opt for term or permanent insurance.

Is the "uninsurable" "Go

Where can you go if you are rejected because of your weight? There are companies and brokers specializing in the insurance people with health problems.

The securing of a life insurance policy for an overweight individual is possible, but some compromises. One way some companies insure obese people is a "graded death benefit policy" that pays out varying amounts, depending on how long you live. In short, the longer you live, the more money your beneficiaries. For example, if you die within the first year, your recipients can view the premium paid plus 10 percent interest. If you die within two years, your beneficiary could be 25 percent of the death benefit in three years, 50 percent in four years, 75 percent , and in five years, the full 100 percent.

Other insurers offer graded death benefits for obese people only in extreme cases. These companies in general "" tables "or categories, the size and weight to determine what kind of policy should be.

If you think premiums are too expensive, some companies will advise you to have a lower death benefit to cheaper insurance.

How much is too much?

The American Heart Association is a body mass index calculator, a numerical value of the height in relation to your weight. Remember, your insurance may not be with this same data, but the calculator is designed to give you a sense of measure, such as in relation to the ideal weight for your height.

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