Life Insurance After Anorexia

Life Insurance After AnorexiaPurchasing life insurance after anorexia may seem like a difficult task, but it is important to know a handful of carriers will still offer affordable life insurance rates. Many health concerns accompany an eating disorder such as anorexia which makes it so hard to insure. A variety of different factors will considered when applying for a policy, but regardless of your stage of anorexia we will most likely have options to protect yourself, and your family, with life insurance. As with any medical condition, we will be able to ask you the appropriate questions which will lead us to which company, and policy will work best for your specific situation.

Eating disorders are one the most serious health concerns facing Americans today, and can have lasting side effects if not diagnosed quickly and appropriately. Life insurance carriers manage their risks by either turning people away with serious medical conditions, or charging higher premiums both of which a possibility when it comes to life insurance after anorexia. It is important to understand each company may treat life insurance after anorexia differently, and in turn offer different coverage options and rates. By following from simple steps you can increase your chance at not only approval, but also affordable premiums.

Life Insurance After Anorexia Challenges

Obtaining life insurance after anorexia is not something which should be taken lightly. Applying with the wrong company can cause you to be declined for coverage. Most people understand life insurance rates are based upon age and health, but eating disorders is something which many people do not consider. Just like obesity, a very low BMI can also impact your ability to purchase life insurance. This is due to the serious health consequences which go hand in hand with anorexia such as heart disease, neurological disorders, and the possibility of death. Anytime these serious conditions are present with a disease than life insurance carriers will be nervous to offer coverage.

One of the first things a life insurance company does when starting the underwriting process is to look at the ratio between your height and weight ratio which is called BMI. If your BMI falls below a certain range life insurance carriers will charge you a table rating premium which are higher than the typical policy. If you have documented history of anorexia, than it can have even more an impact on your premiums. We can ask some accurate questions to try and get an idea of which premiums you can expect.

Specific Questions Regarding Anorexia

When we work with people who have medical conditions such as looking for life insurance after anorexia we will ask you some questions which can help us determine which premiums you can expect. These questions are crucial to the underwriting process and the more open and honest you are the better job we can do. Some of the questions we may clarify with you include:

  • Date of anorexia diagnosis?
  • Have you experienced any problems in the last 6 months? 12 months?
  • Medications prescribed?
  • Ongoing treatment?
  • Other medical issues?

Your answers to these questions will help us determine your insurability. If we determine we can find you a traditional life insurance policy, we will speak with company underwriters to get an idea of how much you can expect to pay for a policy. If for some reason, you are unable to qualify for traditional life insurance we can help you explore guaranteed acceptance life insurance options.

The best way to covered with life insurance after anorexia is to reach out to an experienced high risk life insurance agency. We can help you determine which are the best companies to work with, and find you the best premiums. If you, or a loved one, is considering life insurance after anorexia please get in touch with us.

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