Obese and life insurance, but healthy otherwise...?

Question

I am 21 years old with two young kids. I am very healthy except the fact that the two pregnancy and hormonal contraceptives took a big toll on my weight that I am now trying to fight off. My BMI is 33.1. I am 5'5 and 203lbs. I am slowing loosing weight, but we went out and bought life insurance and now I am wondering how this will effect my rate. We got it through metlife and its a term life insurance, did someone go through this, can you help me out with what I might experience with the rates because of this.

Answer 1

Since you already bought life insurance, you know what the rate is.



Once you get down to a healthy weight, and maintain it for a while, you can shop around again, and see how much lower your rate can be. It's significant.





One more thing - since you're having such a strong reaction to the hormonal birth control, you should probably talk to your doctor about getting off of it.

Answer 2

people who're obese or produce different well-being subject concerns already pay lots larger expenditures for coverage... so what precisely could be diverse? As others have suggested, employers are doing the comparable element applicable now. a minimum of in government the human beings have a voice to override this sort of act. interior the corporate international, except you have money, you truly can't exchange a coverage like this ::replace:: lower back, how is that any diverse than the present device. applicable now you're in simple terms paying money into an organization the place you have not any say in coverage variations or something like that. advantageous, you are able to bypass to a diverse coverage corporation, yet they are so uniformed applicable now theres not lots of a distinction. applicable now you're paying for the clinical well-being coverage of folk who intentionally stay undesirable existence sort, or for people who do not pay into the device in any respect. it truly is prohibited for hospitals to tutor away a affected person with a existence threatening condition, and in the event that they are able to't pay? properly, you get caught with element of the bill. So what precisely is new? you truly have not got an argument right here.

Answer 3

Why MetLife? Did your broker shop dozens and dozens of companies looking for the 'best' company for someone with a BMI of 33, or was this a hip shot?