You’re not overweight….You’re probably just with the wrong life insurance company!
Many life insurance companies love to advertise their teaser rates….You know the rates….
The life insurance rates that only professional athletes, yoga instructors, marathon runners, fitness gurus, and Olympians would qualify for…..
But what about life insurance for real people like you and me?
How do you get the best possible rates for life insurance if you’re not out qualifying for the NYC Marathon??
Fret no more my friend, we have solutions for you.
Here it is and it’s not rocket science…
Every life insurance company has its own set of life insurance underwriting guidelines…
And guess what?
Many times, the build chart for one company is not even close to another company’s life insurance height weight chart.
In fact, in reviewing preferred best build charts for many life insurance companies, we witnessed weight cutoffs that varied by 35 pounds or more!
You read that right! How is it possible that one life insurance company will have their weight cutoff at one weight, and a second company will allow you to be 35 pounds heavier and still qualify for their preferred best life insurance rates?
It’s important for you to know the life insurance height weight chart of the insurance company you apply to.
The reason why is simple. If you miss the preferred best weight cutoff by 1 pound, you most likely will not get that life insurance rate. You will end up waiting 6-8 weeks only to find out you are approved at the next best rate class instead. The result being that you may end up paying 20% more for your life insurance than you expected just because of that 1 pound.
Regardless of who you choose to work with for your life insurance, ask your agent to show you the build charts for the company you apply to:
Life Insurance Build Underwriting Tip:
Ask the paramed examiner what your height and weight are.
As part of your application process, a paramed examiner will measure your height, weight, take blood and urine samples and ask you some health questions.
Get your height and weight from the paramed examiner so that you can compare them to the build charts you asked your agent for.
At the end of the day if you miss out on the rate you applied for due to your build, ask your agent if the next best rate offered is still the best or if you should start the application process with a new company.
It’s your money, you deserve the best deal possible based on your specific health.