Term Life Insurance: Bariatric Surgery

Being overweight doesn’t mean term life insurance is out of the question. Even after such an invasive surgical procedure like bariatric surgery, you can still get life insurance. When it comes to term life insurance and bariatric surgery, companies will look at pre-operative weight, conditions that come with obesity, date of surgery, type of surgery, surgical complications, weight loss after surgery, and improvement of risk factors. Use our free tool below to see how your bariatric surgery impacts term life insurance rates.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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Written by Tim Bain
Founder & Life Insurance Agent Tim Bain

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jul 19, 2021

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Exercise and eating right are the best ways to lose weight. Many people have tried both and still can’t lose the excess weight or the excess health problems that come with it. For these people, weight loss surgery, or bariatric surgery, may be an option.

What You Need to Know About Bariatric Surgery

Bariatric surgery is a procedure that decreases the size of the stomach, reduces food intake and enables you to lose a significant amount of weight. It requires a lifetime commitment to maintaining a healthy lifestyle. Bariatric surgery not only helps you to lose weight but can help improve your overall health.

People tend to think bariatric surgery treats only obesity. This is not the case. Being overweight can cause many other potentially life-threatening diseases, and bariatric surgery helps improve such concerning medical conditions as:

  • Heart disease and stroke
  • High blood pressure
  • Diabetes
  • Cancer
  • Chronic musculoskeletal problems
  • Osteoarthritis
  • Sleep apnea
  • Asthma
  • Infertility

Term Life Insurance and Weight Loss Surgery

There are many weight loss surgery options. Here are two of the most widely practiced types:

Gastric Bypass Surgery

During gastric bypass surgery, the smaller, upper part of the stomach is separated from the rest of the stomach with staples. The small intestine is rerouted and connected to the smaller stomach pouch. As a result, the amount of food you can eat is reduced.

Lap-Band Surgery

During Lap-Band surgery, a silicone rubber band is placed around the top of your stomach creating a pouch. After you eat, the food slowly flows from the smaller pouch into the lower part of the stomach. This makes you feel full before the food moves into the rest of the digestive tract.

Weight Loss Surgery Consultation

It is best to consult a surgeon who specializes in bariatric surgery to determine your options for treatment. Your BMI is one of the main deciding factors. A normal BMI ranges from 18.5 to 25, while 25 to 30 is considered overweight. Typically people that are approved for bariatric surgery have a BMI above 40, or their weight is causing serious health problems.

Your physician will also evaluate any existing medical conditions that may complicate surgery, medical conditions that will improve after surgery and whether you are ready to commit to a lifestyle change.

Term Life Insurance and Weight Loss Surgery

If you are overweight, it is important to steps to achieve a healthier lifestyle. Being overweight doesn’t mean life insurance is out of the question. Even with such an invasive surgical procedure, you can still get life insurance. Here’s what insurance companies will look at when considering your application:

  • Pre-operative weight
  • Any conditions that come with obesity, such as hypertension, diabetes or coronary disease.
  • Date of surgery
  • Type of surgery
  • Any surgical complications
  • Weight loss after surgery
  • Improvement of risk factors after surgery

There will be a waiting period of at least a year after bariatric surgery to monitor progress before you can be approved for life insurance. If your results demonstrate positive improvements in your lifestyle, then you should be able to qualify for standard rates. Let your term life insurance broker know if you have had bariatric surgery or are thinking about having bariatric surgery in the future and they will assist you in choosing the best life insurance company for you.

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