Life Insurance and the Band

Poodles · February 11, 2006

I have been applying for life insurance. Wanting to get $250,000, just in case...you know. I am 33 years old and right at 300 lbs. Everywhere I go they turn me down for height/weight ratio. Was even turned down from my EMPLOYERS insurance agency... I thought I had heard it all right...

Well, here is a new one. The most recent denial says that I have been denied because of a possible lap band surgery in the near future. Says that they denied me because I had mentioned it in the phone interview and they found it in my medical charts that I have been considering lap band. Totally messed up hugh????

Don't even believe they can deny me for something I have not even done. But they said that they would reconsider after I have the surgery...if I can ever get approved for that.

Totally messed up. This just sucks...

Anwyn · February 11, 2006

I agree - that stinks. I have heard that it is much easier to get life insurance 1 year after WLS. I assumed that as soon as my weight was down I could start looking for a policy, but from what I've read I'm going to wait a little while.

JAYGERL05 · February 11, 2006

HeY Poodles, I am sorry to hear that. It does not make any sense. I would keep trying. I have insurance with work and a policy outside of work. I would try different companies, that is something that you need. I hope GIGNA let you know something soon with your band. Good luck!!

NJChick · February 11, 2006

IVAN708 just went thru a bunch of insurance kaka... you might want to ask him what he did. I believe he found a company that would finally give him insurance. He posts on the boards so you can find him in the members directory.