gunslinger3
New member
I’m 43M and besides being very heavy (6’0”, 370 lbs, 50 BMI) and having controlled sleep apnea (CPAP) and hypertension (single med) I’m otherwise healthy with no other issues that should affect coverage.
I have young twins and need to bump up my term life coverage considerably (adding a few $M) to better protect my family.
I’ve worked with a high-risk broker and his feedback was that I need to show evidence of weighing 357 lbs or less for a full year before I can get coverage, and that they’ll rate me at whatever weight I was at 6 months prior to the application.
What advice do you have for me in this situation? I’m losing weight consistently, so don’t need advice on that, but rather how to get high quality term coverage as quickly as possible.
Also, are there carriers who will structure a policy where the rating can change based on additional weight loss alone without writing an entirely new policy? This would be ideal for me but I’m not sure how common it is.
Thank you.
I have young twins and need to bump up my term life coverage considerably (adding a few $M) to better protect my family.
I’ve worked with a high-risk broker and his feedback was that I need to show evidence of weighing 357 lbs or less for a full year before I can get coverage, and that they’ll rate me at whatever weight I was at 6 months prior to the application.
What advice do you have for me in this situation? I’m losing weight consistently, so don’t need advice on that, but rather how to get high quality term coverage as quickly as possible.
Also, are there carriers who will structure a policy where the rating can change based on additional weight loss alone without writing an entirely new policy? This would be ideal for me but I’m not sure how common it is.
Thank you.