Question:
Is it harder to get lfe insurance after wls?

   — Toby2 (posted on May 4, 2008)

May 4, 2008
I was told by our insurance company, who was updating my husband's policy at the time, that I had to wait a year from my surgery to be added to the policy. If you already have life insurance, it shouldn't be a problem.
   — Cindy E.

May 4, 2008
I am a life insurance agent and yes, it is more difficult to get and more expensive as well. However it's also more difficult and expensive to get it when you are overweight, have sleep apnea, diabetes, high blood pressure, heart disease, or ANY medical condition.
   — Caribou ME

May 5, 2008
My husband recently tried to up my life insurance policy and when they realized I had WLS, they wanted to charge me extra. They told me that in order to give me the quoted price, I would have to be 5 years out with no complications. Shortly after that, I became Iron anemic! But I imagine the rate would have been really high if I still had diabetes, was 315lbs with a GERD, Arthritis and high cholesterol to name a few things I no longer have!
   — .Anita R.

May 5, 2008
I went through the same thing when after I had cancer at age 40. I had to wait five years to increase my coverage on my life insurance but the premiums were not out of line when I did get to increase it. I am 58 now and have increased coverage on other time since then. After WLS you are so much healthier. I'm not sure what the deal is. My insurance is with State Farm.
   — flclark

May 6, 2008
YES!YES!YES! before i had my surgery i thought i had life insurance and come to find out it was only accidental insurance so, i frantically searced to try to get a policy before my surgery and it was impossible because my surgery was pending. now that i am six months postop they don't want to give it to you for so many months or years without complications. luckily, i just changed status at work and can up my life insurance there, which is better than nothing. good luck...Holly
   — RNlvnCARSON