Life Insurance

Hey guys,  I tried to get life insurance, in case of anything happening with my surgery, and was denied because of my "build".  Has anyone experienced this? Has anyone had success in getting insured when big?  I'm Canadian, in case that matters.  Angus 

I've not ran into this, but I am curious aboiut Life Insurance possibilities AFTER surgery.  I have a policy and didn't tell them (of course) that I had surgery.   CB

Before Surgery I was quoted a hugh number on 100K policy.   I was able to get it much cheaper thru my company.   They can deny  or quote a high rate  due to our size.    I was told by my agent  that 5ys after surgery is time to aplly again if I need more coverage.

About 1 year before my WLS I investigated getting life insurance (I didn't need it, but I thought it would be a good idea until I started another job), and I was turned down during the initial phone screening.  Thinking back, my naïveté was pretty amusing.  The woman asked my height (5'3"), and then asked my weight..(315#) (stunned silence)...  The woman I spoke to was pretty cool--I wasn't devastated, more surprised--since my only experience with life insurance so far was what I'd received at my place of work, without a medical exam. I think it's virtually impossible to get non-group (i.e., non-employer-provided) life insurance in the US if you're super-morbidly obese.  My age at the time (50) probably didn't help, especially when you combined it with the weight. I haven't yet tried to broach this again, since I don't need it right now, but on other discussions I've read here, WLS itself can be an impediment to obtaining life insurance even after losing a lot of weight.  Some people have said there's a time-limit involved, and it gets easier after 2 years post-op.  I can't vouch for this personally. /Steve

The insurance companies do have very specific standards to qualify clients.  If you fall into a high risk area, ie. over weight, cancer patient, heart problems, aids, etc, they will denie any coverage.  They didn't get rich by insuring high risk people.  If you lie about any conditions and they find out later, they can cancel your policy and denie any claims.  So don't lie, it will catch up to you.   As a former insurance agent, I learned that there are many, many people that simply do not quilify for individual insurance policies.  Over the last three years, I have filed over $500,000.00 worth of claims.  Thank goodness for group policies.  I doubt that I will ever qualify for an individual policy again.   Just remember, don't lie on the application, it can come back and bit you.......hard. Paul

Nothing to add Angus except I hope it works out for you. I got Crazy amount of life insurance about 6 months prior to my WLS. Unfortunately I almost left a rich widow! Now?  I’ll live long enough to see that sum mean much less after the many years of inflation. Best Wishes- Dx