Obesity Life Insurance
Searching for life Insurance that is affordable and the best protection?Looking for affordable Obesity life insurance cover? At Life Insurance Cover we find the protection you are looking for. Life Insurance Cover compares different insurers to quickly and easily find cover that protects you and your loved ones.
How Common Is Obesity?
Obesity is a common problem in the UK that’s estimated to affect around 1 in every 4 adults and around 1 in every 5 children aged 10 to 11.
How To Identify Obesity
The most widely used method to check if you’re a healthy weight is body mass index (BMI). BMI is a measure of whether you’re a healthy weight for your height. You can use the NHS BMI healthy weight calculator to work out your score.
For most adults, a BMI of:
18.5 to 24.9 means you’re a healthy weight
25 to 29.9 means you’re overweight
30 to 39.9 means you’re obese
40 or above means you’re severely obese
BMI is not used to diagnose obesity because people who are very muscular can have a high BMI without much fat. But for most people, BMI is a useful indication of whether they’re a healthy weight.
Risks Of Obesity
It’s very important to take steps to tackle obesity because, as well as causing obvious physical changes, it can lead to a number of serious and potentially life-threatening conditions.
Type 2 diabetes
Coronary heart disease
Types of cancer including breast cancer and bowel cancer
Obesity can also affect your quality of life and lead to psychological problems, such as depression and low self-esteem.
The best way to treat obesity is to eat a healthy reduced-calorie diet and exercise regularly. To do this, you should:
Eat a balanced calorie-controlled diet as recommended by a GP or weight loss management health professional (such as a dietitian)
Take up activities such as fast walking, jogging, swimming or tennis for 150 to 300 minutes (2.5 to 5 hours) a week
Eat slowly and avoid situations where you know you could be tempted to overeat
You may also benefit from receiving psychological support from a trained healthcare professional to help change the way you think about food and eating. If lifestyle changes alone do not help you lose weight, a medicine called orlistat may be recommended. If taken correctly, this medicine works by reducing the amount of fat you absorb during digestion. Your GP will know whether orlistat is suitable for you.
Serious Health Conditions
Being obese can also increase your risk of developing many potentially serious health conditions, including:
Type 2 diabetes
High blood pressure
At risk of High cholesterol and atherosclerosis (where fatty deposits narrow your arteries), which can lead to coronary heart disease and stroke
Metabolic syndrome, a combination of diabetes, high blood pressure and obesity
Several types of cancer, including bowel cancer, breast cancer and womb cancer
Gastro-oesophageal reflux disease (GORD), where stomach acid leaks out of the stomach and into the gullet
Osteoarthritis, a condition involving pain and stiffness in your joints
Sleep apnoea, a condition that causes interrupted breathing during sleep, which can lead to daytime sleepiness with an increased risk of road traffic accidents, as well as a greater risk of diabetes, high blood pressure and heart disease
Liver disease and kidney disease
Obesity reduces life expectancy by an average of 3 to 10 years, depending on how severe it is.
Longer Term Future
There’s no quick fix for obesity. Weight loss programmes take time and commitment, and work best when fully completed. The healthcare professionals involved with your care should provide encouragement and advice about how to maintain the weight loss achieved.
Regularly monitoring your weight, setting realistic goals, and involving your friends and family with your attempts to lose weight can also help. Remember that even losing what seems like a small amount of weight, such as 3% or more of your original body weight, and maintaining this for life, can significantly reduce your risk of developing obesity-related complications like diabetes and heart disease.
Many people who have been diagnosed with Obesity have been accepted for life insurance. Insurers will however accept applications based on how severe the condition is and how well it is being treated. By writing to your GP to confirm your treatment and whether there are any medical complications. Also the impact the condition has on their lifestyle and ability to work.
Finding Obesity Life Insurance
By searching the whole life insurance market, we can find the best policy and protection for you. It can be difficult to find the right Obesity life insurance cover for your needs, but we can help you.
As Obesity is a long-term condition that links to other health conditions including diabetes. Some insurers may be wary about accepting applications. All insurers underwrite applications by writing to your GP to confirm treatment and medication. By completing the medical forms from customers looking for Obesity life insurance. This ensures they manage and assess their level of risk. If you have had complications or secondary medical problems. It can be challenging to know where to find an insurer that can meet your needs.
At Life Insurance Cover our specialist team of advisors and comparison service will help you find the best FCA-regulated life insurer that suits your needs. Comparing prices and find the best deal that is within your budget.
Costs for Insurance premiums
As Obesity is a long-term health condition, some insurers may charge higher premiums than a person with no health conditions at all. This will however depend on the severity of your condition and how well it is being treated. Whether you are able to keep your symptoms under control with medications and/or diet or lifestyle. Your premiums may be higher and an insurer may request some further details from your doctor to determine your premiums.
Prices from insurers will vary depending on who you speak to, which is why Life Insurance Cover is the best place to start your search for Obesity life insurance.
Who offers Obesity Life Insurance?
Life Insurance Cover works with the UK’s leading insurers for Obesity life insurance. Our panel of FCA registered life insurance specialists will provide quotes. We will get a quote from more than one life insurance company and compare the one that is best for you. By submitting your details through one of our quick and easy online forms to receive quotes. Our UK leading FCA-regulated insurance providers will help you to find:
– The best quote for Obesity life insurance
– Protection for complete peace of mind
– A specialist insurer that understands your condition and its symptoms
Different protection for Obesity
Critical illness cover
Critical illness insurance offers protection for many conditions including cancer. If you have received a diagnosis for Obesity. Acceptance of your application will depend on various factors. This will include your overall health, whether your symptoms are under control. An insurer may want a medical report to review your current treatment. If you have experienced medication complications, you may face higher premiums or may even need to take out a policy with a specialist insurer.
Life Insurance Cover compares policies to find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.
For more information on Obesity:
Do you have a medical condition and searching for life insurance cover? At Life Insurance Cover we take the time to find the best policy and save you money. We also make the purchasing of life insurance as quick and simple as possible. Fill in the easy no obligation enquiry form to speak with member of our specialist team. Get protected with life insurance.