No Medical Exam Life Insurance – How to Get Coverage for Obese People!

Being obese is not something to be proud of. Many people suffer of this unpleasant condition and try to get rid of it by any means necessary. Obese can be generated by several reasons and unhealthy diet is not always the cause. Genetic diseases or hormonal disorders are also causes of obesity.

obese seniorUnfortunately, obesity has negative impact not only on physical aspect, but also will influence certain financial aspects. These types of persons are usually neglected by companies that sell standard life insurance. No medical exam life insurance is the only way to get coverage for obese people.

The Body Mass Index (BMI) is extremely relevant for insurance companies. They ask for height, age, weight and gender. BMI index is calculated based on a simple mathematical formula. If the index is higher than 31 then you are considered obese. If it is between 20 and 30, you are considered overweight. In both cases, the rating will be greatly affected.  A higher BMI is correlated with high levels of cholesterol and a higher mortality risk. Cardiac diseases are frequent in obese persons.

But do not lose hope. No medical exam life insurance policies are available even for persons that present a high mortality risk. Depending on the insurer you choose, you will have to fill in just an application form or an application form plus a medical questionnaire.

Some companies still prefer to know something about the people who apply for coverage.  At least you can tell them if you are suffering of a terminal disease or not.  Remember that if you die due to a terminal condition in the first year of the policy, your beneficiaries will not be able to make any claim.  Before applying to any policy, get life insurance quotes.

If you want to know more about life insurance and to get free life insurance quotes, check our website. Visit our Homepage!