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It is no secret, the health problems make it more difficult for you buy life insurance. High blood pressure, diabetes and heart disease are subject to the conditions that can make it difficult to buy life insurance.

If you are overweight, but otherwise healthy, you have to buy a hard time life insurance. Even if you are not obese, there are some cases where you have to pay more for life insurance when your weight reaches a certain level. In most cases that are harder, the more one pays you.

It's all about "Build"

Together with age, medical history and lifestyle make life insurance companies your "build" consideration to your application. "Build" is your weight relative to the your height. Life insurers use tables, the two factors to determine what kind of risk are you combine. (See table at the end of this history of the American Medical Association).

The more you weigh more in relation to your height, you have the more potential for health problems. The ideal life insurance customer is someone, expect, is that a long healthy life to lead. Statistics show pose insurance risk overweight people increases, because they are to develop probably health problems as they grow older. According to a study in the journal of the American Medical Association published is overweight with 280 000 deaths in the United States every year linked.

The average American waistline is getting bigger. In a study published in the journal of the American Medical Association (JAMA) reported to the Centers for disease control and prevention (CDC) obesity increased by 19.8 percent of American adults to 20.9 per cent between 2000 and 2001. The CDC reported also cases of diabetes diagnosed in the same period of a year from 7.3 percent to 7.9 percent increases. The increases were apparently independent of gender, age, race and education.

"Obesity and diabetes among our top public health problems in the United States today", says US health and human services Secretary Tommy Thompson. "The good news is that changes can prevent diabetes and other chronic diseases with a modest lifestyle."

You weigh the more the more you'll pay more

If you say only a little overweight, are about 10 pounds, you can see no difference in the life insurance prices you quoted. Life insurance for overweight people can be but expensive. If you are severely overweight, you would better more money for life insurance budget.

Steve Zitney, senior Agency consultant at a leading insurance company says a person can life insurance at his company refused, if the person "grossly overweight or obese dramatically," even if he no other health problems. The company will charge higher premiums if your weight is more than you should be essential in relation to your height.

Insurance for overweight people will be naturally more expensive than that for this slightly overweight. One is 6-foot tall, 40-year old male 270 pounds, says he, 15 to 20 percent more than a person of ideal weight, will have to pay Zitney. If the person weighs 300 pounds or more, Zitney says that figure to 30 to 35 per cent jump.

Many other major life insurers underwriting use a similar approach. David Potter, a spokesman for the Hartford, says, that people who see an increase in the premium in 150 percent of their desired weight. In these cases, which is more weight that you wear, the more again, your bonus. "It is possible, by weight, but it is rare is rejected," Potter says. "Most people with weight problems have other health problems, such as high blood pressure and high cholesterol."

Life insurance for overweight individuals, even moderately so, could even more costs. People who are slightly overweight can for a "preferred rate", which disqualified a lower premium, the people who are healthy rewards. For example, a person who is 20 to 30 pounds overweight and not, high blood pressure or diabetes could get a normal rate, but they appear not the preferred rate. Life insurance for overweight people

Weight issues can dogs-whether you sign up for permanent or term life insurance. Underwriting is based on survival of mortality. It is no different, if you apply for permanent insurance or term are.

Where the "non reverse I's Islands" go

Where can you go if you are rejected because of your weight? There are specialized companies and agents of insuring people with health problems.

Securing a life insurance policy for a single overweight is possible, but require some compromises. Some assure a way is obese people by offering "graduated death benefit policy", which pays out varying amounts depending on how long you live. In other words, the longer you live, your beneficiaries get more money. For example, if you die within the first year, could your recipients will receive the premium you paid plus 10 percent interest. If you die within two years, the death could get benefits your beneficiaries 25 percent; in three years, 50 percent; in four years, 75 percent; and in five years, the full 100 percent.

Other insurers offer graduated death benefits for obese people only in extreme cases. These companies use typically "Tables" or categories, which combine height and weight to determine how to receive policy.

If you feel premiums are too expensive, some companies will advise you, a lower death grants search to make insurance more affordable.

How much is too much?

The American Heart Association offers a Body mass index calculator, a numerical value your height to your weight. Keep in mind, your insurance company does not use this same data, but the computer you, give a feeling should measure ideal weight how you in relation to the for your height.