If you believe you may be overweight and may not qualify for individual or family health coverage, you can take a few precautions prior to submitting a health application. You should find a qualified health insurance broker who offers more than one carrier’s products and is knowledgeable about some of the underwriting requirements or is able to research the best plan for you. You can complete a pre-screen application which will allow the broker to communicate with underwriters the issues prior to submitting the application and improve your chances of approval and avoid a potential decline. A decline can really be detrimental to obtaining creditable coverage. You should also review the BMI tables while not all tables are the same this will give you an idea of how close or far you are from current healthy body mass index levels for your height. Lastly consider improving your health for your own benefit by starting some basic exercise like walking 30 minutes a day, educating yourself about nutritious foods, eliminating empty calories like sugar and saturated fats and creating a lifestyle that makes you feel good, makes you productive, make you look great, reverse some health problems altogether and extend your life and most of all affords you quality health insurance

While many overweight individuals may feel they are being railroaded by the insurers, the conclusion is that between 2 and 7% of all health care cost are associated with overweight and obesity, which resulted from health issues associated with the treatment of the overweight factors such as hypertension, insulin resistance or diabetes, high cholesterol, cardiac conditions, certain forms of cancer, respiratory issues, inactivity, absenteeism from work, mortality cost, and loss of family income from premature death. What You can do to qualify for health insurance for overweight 

What is Non Medical Life Insurance?

Traditional term life insurance policies will require you to have a medical exam to make sure you are in good health.  Non medical life insurance on the other hand is just as it sounds in that the policies are issued without the requirments of blood and urine samples and EKG reports being provided by you to the carrier for underwriting determinations.

 

In a nut shell it is a simplified issue life insurance policy in which insurance carriers offer an expedited underwriting process that does not require a medical exam and is considered non medical life insurance. The insurance company makes a simple determination based on the answers to your health questions on the application and your medical information reports. The death benefits are the same as any traditional term the underwriters simply group consumers into a risk pool and price the policies according to that group’s mortality rating. Typically the approval is on an accept reject underwriting. You should be relatively healthy to qualify for a non-medical life insurance policy however; you can still qualify if you are currently prescribed 1-2 medications such as blood pressure, or cholesterol as long as the health issue is under control with the medications. If you recently had a health exam and are positive you are in excellent health then you may want to go for the fully underwritten as your rate would be slightly lower for submitting the Para-med exam.  If you are unhealthy and know you are an adverse risk you should have an agent complete a preliminary health application to prevent a decline.

 

What are the benefits of Non Medical Insurance underwriting?

 

Aside for the obvious of avoiding the exam is the speed of the entire process you can simply apply online without the necessity of making an appointment with an agent. You conditional approval is usually complete on the spot after submission of one month’s premium with a credit card. You then are conditionally approved should something happen. Your family essentially has instant coverage. An underwriter usually reviews the policy again and you receive a copy shortly thereafter. These simple policies are not accident insurance or increasing premium policies like you see all the time. These policies have guaranteed policy premiums for the length of the term you purchase and have straight term face amounts rather than decreasing face amounts that decline over the polices term period.