Question:
Has anyone gotten life insurance before surgery????

I am not trying to be morbid, but I was thinking that I have no life insurance and IF anything was to happen to me, well, my spouse would be out there trying to raise three children and paying bills, and all that without the help of any life insurance from me. Is there a cheap(er) policy I can get? Has anyone else ever bought life insurance prior to the surgery? I just want to be able to help provide for the family, just in case. Hugs!!    — paschool (posted on January 5, 2001)

January 4, 2001
I have not tried to buy additional insurance because of the surgery but I have previously made several attempts at purchasing private life and ltd policies. I'll tell you straight - if you are obese enough to qualify for this surgery I think you will have a hard time finding affordable insurance. I could not get LTD at all due to my weight (at least that's the reason they gave with the rejection). I have also been rejected for several life insurance policies due to weight. We did find a term policy finally that 'rated' me which means I pay higher premiums than someone of normal weight. It's not too terrible but certainly more than we pay for my nusband for twice the coverage. And my BMI is about 42 so I am on the lower end (for morbid obesity). I hope you have a better experience than I did. I would suggest finding an insurance broker who can deal with several different companies. If you are looking only to cover yourself due to surgery issues pick up a term policy which will be cheaper than whole life, and you can cancel it if you want later on. But in reality it wouldn't be a bad idea to keep it because if you ever do develop health problems down the road the insurance companies won't touch you (can't tell I have an attitude about insurance companies can you!!). Good luck...Karen
   — Karen F.

January 5, 2001
I purchased a policy several years ago and continue to hold on to it even though I am covered by by employer. I am paying more because of my weight. This policy is just a little icing on the cake. There are some eager insurance agents out there who are willing to fudge a little on the insurance application in order to make their sales. Some will "adjust your weight" according to their weight charts and assume you gained additional weight after you purchased the policy. I guess insurance company's have a cut off weight in which they will stop covering.
   — Jan M.