Life Insurance Quotes For Overweight People In Alaska
People with common health problems, such as high blood pressure, heart diseases and diabetes always found it challenging to get a life insurance policy. Currently it is becoming difficult for obese people in the US to find a life insurance quote. In fact, Alaska is considered to have the highest obesity rate in the country that is pegged at 27.1 percent. This places the state just above its national average.
When it comes to life insurance, the Alaska insurance law has mandated that obese or overweight people need to pay more premium and will get a much higher quote than people with normal body weight. So if you are an obese or overweight in the state of Alaska, you should be aware of certain terms and conditions before you approach a life insurance company for a quote.Overweight creates insurance risksIn Alaska, when you ask for quotes for your life insurance cover, the insurer checks your age, activities, medical history as well as your body weight in relation to your height.
The ideal life insurance policy holder in the state is somebody who is free of diseases and is expected to live a healthy and long life. Therefore, if you weigh more in relation to your height, you are considered to be an unhealthy individual. This is because overweight people pose greater insurance risks as they are likely to have health problems as they grow older. A significant rise in premium - If you are only a little overweight in Alaska, say you are about 5-6 kilos more than your ideal weight, you may not see any difference in your the life insurance quotes.
However, if you happen to be over 10 kilos more than your ideal body weight, chances are that you have to pay a much higher life insurance premium. Most life insurance companies in Alaska have maintained that the higher the body weight of a person, the more will be his life insurance premiums. The state insurance law mandates that if the person weighs over 136 kilos and above, the premium figures would be anywhere between 30 and 35 percent higher than an individual with an average weight. He will also be offered a high insurance quote.
Life insurance quotes denied - People in Alaska who are 150 percent more than their desired weight are obese and prone to extreme health problems like cardiac diseases, high blood pressure, thyroids etc. in some cases, their insurance policies are cancelled. Special quotes for overweight/obeseThere are insurers and agents in Alaska who specializes in insuring overweight and obese people. These companies offer life insurance quotes under graded death benefit policy. Based on this policy, the individual has to pay out the amount based on how long he lives.
In other words, the longer the policy holder lives, his beneficiaries would get more money. He can also opt for some lower death benefit to make the life insurance more affordable. Finally, if he makes an attempt to lose at lease 10-20 kilos of body weight, his quotes will become a little lesser and the premium charged would also be more affordable.