如果我超重，我可以得到人壽保險嗎？
如果我超重，我可以得到人壽保險嗎？
 Yes, most people can get some type of life insurance policy if overweight, even if you are morbidly obese (don't you hate that label). There are a handful of companies that will provide first day coverage (no graded period) without any weight requirement at all. Most policies that disregard weight will have a graded period, where the death benefit paid during the first couple of years would be reduced for death due to natural causes. Some simplified issue polices (no exam needed) have very liberal weight charts. These can be a good choice, especially if you have not had your blood tested for a while. There are also some fully underwritten policies that have much more lenient weight charts than others. If you are applying for a large policy, certain companies can save you thousands of dollars. Be sure to contact an impaired risk or overweight life insurance expert for your life insurance if you are significantly overweight. Not only do you need a variety of choices, you need the experience of someone who knows how to maneuver the factors involved: weight changes over the past year, health conditions that can be associated with build, etc.
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