Obesity + Lap Band Surgery = Standard

Obesity + Lap Band Surgery = Standard

Obesity in the United States has been increasingly cited as a major health issue in recent decades.  While many industrialized countries have experienced similar increases, obesity rates in the United States are among the highest in the world.

There are several types of surgeries that fall under the group of “bariatric surgery” designed for people that are obese.  Lap band surgery (laparoscopic adjustable gastric band), is an inflatable silicone device placed around the top portion of the stomach to treat obesity, intended to slow consumption of food and thus the amount of food consumed.

One of our Strategic Carrier Providers look favorably upon this type of surgery and with applicable credits, will make a favorable offer.

Let’s take a look…

A female client, aged 32 years, is seeking $500,000 of 10-year Term Life Insurance, history includes:

  • Build of 5’6 and 212 pounds
  • Blood pressure 120/76Lap band procedure 2 years ago

The initial underwriting work up – Table 2.

Then, the following underwriting credits were applied:
  • Optimal blood pressure
  • Lifetime nonsmoker
  • Regular preventative care
  • A1c Test < 5.7
  • Preferred driving record

Final Offer – Standard!

Our Underwriting Team is here to help with all of your impaired risk cases.  Please contact us today – we will help you make the sales!