Life Insurance For Overweight Individuals Fort Lauderdale Florida FL
Reader’s Question:
I don’t understand why a life insurance provider here in Fort Lauderdale, Florida would charge more on premiums just because someone is overweight, can you explain?
Sarah
Fort Lauderdale, FL
The reason why life insurance premiums are higher for obese and overweight people would be due to the long-term implications caused by excessive weight towards an individuals health and lifespan. Life Insurance is all about the business of risk. Any medical or health conditions that you have, the type of jobs you take and the type of activities you participate in would all be constantly evaluated by your life insurance provider there in Fort Lauderdale, Florida to determine if you will have a long life. The higher your risk of dying the higher life insurance premiums you will be charged by the provider to compensate for the said risk.
So being overweight exposes you to higher risks of contracting illnesses such as diabetes, high-cholesterol levels, hypertension (high blood pressure), coronary heart disease, sleep apnea and a plethora of other illnesses that could cause you to die sooner. Another reason that life insurance premiums for overweight people are so high is due to the escalating number of people in the country that are overweight or obese (more than a hundred million Americans to date are overweight and about 62 million adults are considered to be obese) further increasing the risk life insurance providers take to provide coverage. The good news is that if you are able to show you live a healthy lifestyle and is taking steps to manage your weight, you could expect your insurance premiums to go down.
Tags: Obesity Life Insurance, Life Insurance, Advise, Life Insurance Information