Life Insurance After Vsg

[sleevesearch 14]

I am applying for additional life insurance coverage thru my employer and have to fill out a medical history. I had my VSG in 2010, in Mexico. My PCP here in the states knows about it, and it would be noted in my medical records here. And I am thinking, as I write this, that I have no choice but to include it in my medical history for the life insurance.

I just feel that putting Mexico on the application that I will get denied for the coverage (the form requires Dr/city/state). I don't know....maybe just being fearful of prejudice.....

Has anyone else experienced this? What would you do?

Thanks!

[omamilam 11]

I have not heard of being denied life insurance, only personal medical policies. That's not to say it isn't a problem. I just haven't heard of it. Let us know the outcome. Good Luck.

[SKCUNNINGHAM 298]

I had a recent experience - I have had a life insurance policy for 30 years with a company. I wanted to raise the amount slightly (<100K) to make the math easier when splitting it up between the ultimate beneficiaries. I had to go through the entire process of applying for the policy like I was brand new. I had to go through an extensive interview process about the surgery and the results of all of my post surgery testing and health.

Because of the sleeve surgery, I wan't denied - but the premium is going to be slightly higher for the first two years than it otherwise would be. (I think $3-4 per month) After that period, the premium will go back down to my old rate.

This is pretty funny really. The chance of the insurance company having to pay off the policy are dramatically less after the sleeve than before (I was a walking advertisement for future heart attack victim). Oh, well - at least they wrote the policy.

Needless to say, I am not touching any of my other policies.