Life Insurance after lap band

[Donna0526 0]

Has anyone tried to buy life insurance after having lap band surgery? I have tried twice to buy additional life insurance but was turned down by both companies. I have asked why the decisions were made but have not yet received a response. Has anyone else experienced this?

[heartfire 4]

Hopefully you get some answers from them soon. DH and I have been thinking of looking into switching ours to save some money. With your post, I'm now wondering if we'll be able to! It's not something I thought of before! :thumbdown:

Hopefully you'll get some one posting that has gone through this and has some advice.

[Bjornsyouruncle 0]

Generally if you've been hospitalized in the past 2 years, life insurance companies don't really like you...

[ethansgrandma 0]

My husband and I were both able to obtain life insurance after our bands. The premiums are a little higher, but it wasnt too bad. I was told that after two years we could be re-evaluated for a premium decrease. Who were you gonna go thru?

[momcof3 1]

I already had life insurance before lapband surgery and my premium was higher because I was morbidly obese. Since losing 67 lbs, I went to see my agent to see if I could get my premium lowered due to weighing less. She seems to think I can. A guy came to my house on Sat and weighed and measured me and took my blood pressure. I am interested to see what happens now after reading the posts here. I had a hysterectomy and the lapband this last year. I will let you know what happens.

[TQUAD64 9]

I am very interested in this post. Please let us know what their reason was when you find out. Right now, I have employer life insurance, but I am planning to retire and would need to find my private life-insurance.

[Donna0526 0]

One of the insurance companies was New York Life, and I can not remember the name of the other ( will check when I get home tonight !!!). When I find out something about the refusal I will be sure to post it. I really believe having this surgery so soon before applying for this insurance had something to do with it. If so, maybe after losing a good amount of weight, the surgery will not have any affect on a decision to cover me. In 2007, I had to purchase health insurance on my own because of being laid off from my job. At that time I chose a plan with BCBS of NC that was advertised for $257.00/mo for single coverage; but due to my weight at that time (282 lbs), the premium was increased to just over $1,000.00/mo !!!! Unbelievable!!!!!

Again, I will post again when I have more info. Happy weight loss everybody.

[Jaffa 5]

Hmmm....if your in a position to retire, why would you need or want life insurance? I have never thought of anyone doing this at that stage of life?

Obviously people do it, you see the commmercials going after old people all of the time. But, I thought these people must be a little goofy?

[heartfire 4]

Steve, in our case, when DH retires, DD will still be in HS. If something happens to us, we want her taken care of. If something happens to DH, I need the income to help us survive. That's just our scenario.

On another note, some one mentioned earlier about having been hospitalized and insurance not liking that. I was outpatient for my surgery so in that regard, I should be okay. It would be if they have a problem with bariatric surgery and having had it less than a year ago. Guess I'll find out when we try it!