Life insurance after a Gastric Bypass
The reality for anyone who has a gastric bypass is that they may have developed other complications or conditions because of their high BMI.
A Gastric Bypass may ultimately be wholly successful and in due course the risks may come down with your weight / BMI.
But finding life insurance soon after surgery can be difficult.
There are two aspects that a life insurance underwriter will specifically want to consider:-
- Has your surgery itself lead to any issues or complications?
- Have you been able to consistently maintain your target weight after surgery?
Many will find cover with mainstream insurers eventually, but those who began pre-surgery with a very high BMI and / or have any other significant medical conditions may be declined for Life Insurance by standard insurers.
The premium required will almost always be higher to reflect the increased risks.
Gastric Bypass and Life Insurance availability
Pulse Insurance are experienced in finding Life Insurance for people who have had a gastric bypass.
Once the possibility of surgical complications has passed and a period of stable weight can be demonstrated, then cover may be available.
For those whose also suffer from the conditions listed below, whether caused by their high BMI or not, we will need to collect additional relevant information.
You should ensure you tell us about all medical conditions (especially the above) as clearly as possible. You can complete our specific supplemental application forms for each additional medical condition you have.
Why Pulse Insurance?
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are rather good at helping people find the cover they need.
In 95% of Gastric Bypass cases, one year after surgery, we can offer indicative premiums and/or sense of if cover will be available or not; so you can decide to proceed or not.
It is important to declare your medical conditions completely. Failure to be transparent with any insurer can result in a claim being denied – confounding the very reason for paying any premium in the first place.
Your Personal & Medical Details
Everything you disclose about your health to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Changes to Your Health
Your Pulse adviser will look to gain a detailed snapshot of your health before cover is issued and you should take care to disclose everything.
Life cover is issued based on a “snapshot” of your health. Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.
Requirements for more information
Occasionally our initial enquiry may not gather enough information to make a definitive decision, our insurers may ask for more in depth information regarding your health and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
- Beyond Life Insurance
- More Life Insurance
The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.