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I'm wondering if life insurance companies can deny coverage based on a person's weight. Can someone be denied life insurance because they are overweight?
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Life insurance companies may consider a person's weight as a factor when determining eligibility for coverage. Being overweight or obese can increase the risk of certain health conditions, such as heart disease, diabetes, and high blood pressure. These conditions can impact life expectancy and increase the likelihood of a premature death. As a result, insurance companies may charge higher premiums or deny coverage altogether to individuals who are considered overweight or obese. However, it's important to note that each insurance company has its own underwriting guidelines and may assess weight differently. Some companies may have stricter weight limits than others, while some may take a more holistic approach by considering other health factors in addition to weight. If you are concerned about how your weight may affect your ability to obtain life insurance, it's best to consult with an insurance agent or broker who can provide personalized guidance based on your specific circumstances. Keep in mind that this information is based on general industry practices and may vary depending on the insurance company and individual circumstances.
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