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Obesity and its Effects on Final Expense Insurance

Obesity Final Expense Insurance

The CDC defines an adult (a person aged 20 years or greater) with a body mass index (BMI) of 30 or greater as obese and an adult with a BMI of 25.0 to 29.9 as overweight. Obesity in adults is divided into three categories. Adults with a BMI of 30 to 34.9 have class 1 obesity, adults with a BMI of 35 to 39.9 have class 2 obesity, adults with a BMI of 40 or greater have class 3 obesity, which is also known as extreme or severe obesity. Children (persons aged 2 to 19 years) with a BMI at or above the 95th percentile of children of the same age and sex are defined as obese, and children with a BMI at or above the 85th percentile but less than the 95th percentile are defined as overweight. In this article, we will look at Obesity and its Effects on Final Expense Insurance.

In My Own Family, There is Someone Who Is Morbidly Obese

I will not reveal his identity or my relation to this individual… Out of respect. But this person who is invaluable in my life, over the years became very large. More than this person’s lungs, legs, skin, and every other organ can support. They has had multiple hospital stays. This last one was the longest. 3 weeks. On a ventilator, breathing support, septic infection, pneumonia, heart issues and more.

Here is the biggest thing that the doctors will not address. The biggest underlying condition in this person’s case is Obesity. To his friends and family, we know that all of his issues are related to his weight.

Causes of Obesity

Unhealthy Behaviors

Behavior plays a large role in obesity. We all know that with healthy behaviors we are less likely to become overweight or develop obesity. Things like maintaining a healthy diet and exercising regularly. Eating a diet of whole grains, vegetables, fruit, lean protein, low-fat dairy and drinking plenty of water is recommended for all people. Also, adults should exercise daily.

Community Environment

Many people live in communities or are in workplaces that are not conducive to promote a healthy lifestyle. We always hear about how too many Americans sit at a desk all day for work, which we know isn’t great for us. Some communities don’t have safe areas to walk, jog, cycle or play.

Genetics

Changes in how humans respond to their environment can affect a person’s behaviors. So, if one grows up in an-healthy home, it could result in behaviors later in life. But this is not always case at all. There is one type of inherited obesity (monogenetic obesity), which is caused by a variation of a gene in one’s body. However, this is rare.

Doctors often look at a patient’s family history to determine a person’s propensity to develop obesity related diseases, like cardiovascular diseases, diabetes, and some types of cancer.

Consequences of Obesity

There are many health consequences related to obesity. As I mentioned earlier in this article, I am unfortunately seeing it play out right now with a family member.

People who are obese, in contrast with people with a healthy weight, are at heightened possibility of having many severe diseases and health problem, including these:

  • All-causes of death (mortality)
  • Type 2 diabetes
  • Coronary heart disease
  • Stroke
  • High blood pressure (Hypertension)
  • High LDL cholesterol, low HDL cholesterol, or high levels of triglycerides (Dyslipidemia)
  • Gallbladder disease
  • Osteoarthritis
  • Sleep apnea and breathing problems
  • Mental illnesses like clinical depression, anxiety, and other mental disorders
  • Body pain and difficulty with physical functioning
  • Low quality of life

Life Expectancy With Obesity

Researchers estimate that obesity causes roughly 300,000 deaths per year. Being overweight and having obesity in childhood is especially dangerous. In men notably, being overweight in childhood has been found to increase the risk of death from any cause.

Shopping for Final Expense Insurance With Obesity

We can help folks who have obesity, or a higher BMI, when shopping for final expense insurance. It is important to use good sense when shopping for Final Expense Insurance with any underlying condition, especially in these times. But here at Insurance for Final Expense, we make the whole process uncomplicated for you. There are plenty of agencies you know for their big ad campaigns and you most likely are familiar with their names. These are companies like Colonial Penn Final Expense Insurance, Gerber Final Expense, Globe Life Final Expense Insurance, John Hancock Final Expense Insurance,  State Farm Final Expense Insurance or AARP Final Expense Insurance. These are all great companies who have been around for a long time. So, what is our huge advantage? We offer you full competition.

Just fill out the final expense insurance quote form on this page, and you can assess and compare rates and carriers. The cost of final expense insurance over the life of the policy is minimal, and the benefits provided are essential to your family during the difficult time of your passing. Think about what they will need at that time. Then, call us with any questions.

Independent Final Expense Insurance Agency vs. a Captive Agency

At Insurance for Final Expense, we give you tons of choices from the beginning. Now, now, more than ever it is necessary to work with a trusted company that doesn’t use silly gimmicks, overwhelming salespeople or pie-in-the-sky promises. We believe in giving our valued customers the truth from day one. We want to protect you and your loved ones. It’s that simple.

You shouldn’t have to be a final expense insurance policy genius to find a superb, low-cost burial insurance policy. That’s our job. Even though those with obesity may find them paying higher rates with some carriers, we have relationships with carriers who do not penalize you for this (unless there are other underlying conditions). This is what we do every day, helping Americans across our beautiful country protect their families without breaking the bank in the process. We offer a variety of top-notch, honorable, stable burial insurance companies with a variety of plans. It is your choice. We put that decision in your hands. You know what is best for you and your family.  

Insurance 2 Year Waiting Period With Gary Cubeta

Helping Those With Obesity Get the Best Final Expense Insurance and yes State Farm burial insurance is terribly overpriced !

It is part of our business model and promise to you that we only work with the absolute best of burial insurance carriers. We are talking about companies like AIG, Mutual of Omaha Burial Insurance, Liberty Bankers Life, Sentinel Security Life, Royal Neighbors Insurance, Great Western Insurance Company and Prosperity Life Group. These are all very well-established companies with incredible ratings. We wouldn’t work with them if we couldn’t promise you that they will treat you well. Take a moment to read all of our final expense insurance reviews for more information.

So How Do You Find the Best Final Expense Insurance Policy with Obesity?

When it comes to getting Final Insurance for those who are clinically obese, it is so important to work with a licensed, independent agency that specializes in burial insurance for those with pre-existing conditions.

Working with an independent agency like Insurance for Final Expense is completely free to you. Unlike working with a captive agent, we as independent agents are paid by the insurance companies. It has no effect on your rates. 

If you need help with guaranteed issue or final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.