Life Insurance More Than 5 Years Post-OP: Have You Applied?

Are you more than 5 years post-op? Did you every apply for life insurance? What was your experience? Were you denied, or quoted a high premium?

I am male, 51, now 7 years post-op RNY, no surgery complications, don't smoke, don't drink, no drugs, and my weight is normal for my height (based on BMI). My one lingering issue is blood pressure - for which I take Lisinorpril. Medicated, my pressures run low - typical AM 106/69. I am not certain I even need the medication anymore - that is something I will address with my doc. Otherwise, I have no other co-morbidities. I'm looking for $1M of term life (20-year).

Any advice from the ObesityHelp Hive Mind is appreciated!

Great job on health stats, especially the blood pressure reading! I will never forget how it felt to be denied insurance coverage in my 20's, a BMI of 30, and thinking I was young and healthy. Now in my 50's, my husband's employment benefits carry spousal life insurance just enough to cover cremation. IMO, I would tell the insurance companies to keep their policies, the stock market companies to keep their hidden fees, the banks to keep their interest charges, and either save cash or buy a piece of earth.

Thanks for taking the time to reply, I really appreciate it!

I initially applied for life insurance before WLS, but applied for an increase in coverage last year. I updated my stats and told them about my WLS. In the end I was denied, but 100% because I have bipolar; there was no comment or concern about my bariatric surgery.

I have a group life plan through my job, and was never asked. I did apply for additional, specialized insurance such as a hospitalization policy, and a surgery policy. I was denied coverage for both of those because of my WLS. I also applied for a long term care policy and was denied.

Wow- I never imagined WLS would work against you for insurance. Like you I have group life through work, they didn't ask questions. I've had critical illness and AFLAC coverage since well before surgery. Guess I need to make sure they never lapse.

The fact that I had to revise from VSG to RNY was also likely a factor. I now will never ever let my insurance lapse.

Thanks for the replies, everyone! I'll post here with more info as I move thorough the process. It might be helpful to someone in the future.

Weight loss surgery is a pre-existing condition, so it will affect health insurance premiums. It may not affect life insurance coverage but you won't know until you apply.

Thanks for that! Actually, under the Affordable Care Act, insurance companies are forbidden from charging extra for preexisting conditions when it comes to health insurance - so no problem there. Not so life insurance. Life insurance is wide open. When I first asked (Amica Life), I was told that WLS patients were uninsurable for a minimum of 5 years, and after that, they would be handled on an individual case-by-case basis. It has been more than 5 years since then, I am hoping things have changed. I'm sure I can find someone who will write a policy, the question is, how high will the premium be?