Life insurance after WLS

[Little Green 582]

Most of us cannot buy life insurance prior to WLS due to obesity, but can you buy it afterward when you are in a better BMI range? Or is it always held against you? (Does not apply to employer-sponsored insurance.)

[Creekimp13 5,838]

When applying for life insurance, i've never been asked about WLS. Just what my current weight was, current BMI. I see no reason to divulge historical information unless it's specifically asked for.

[Rainbow_Warrior 996]

16 hours ago, Creekimp13 said:

no reason to divulge historical information unless it's specifically asked for.

Hear, hear.

If it's not relevant or mandatory, you have no obligation to divulge.

Pleading the fifth in a roundabout way.

[Little Green 582]

Thanks! Most of the policies I have looked into in the past require a detailed medical history and bloodwork. Do you mind if I ask what company you applied for?

[Rainbow_Warrior 996]

16 hours ago, Little Green said:

Do you mind if I ask what company you applied for?

New South Wales Teachers' Union Health Fund (Australia).

[Little Green 582]

On 11/24/2017 at 3:49 AM, Rainbow_Warrior said:

New South Wales Teachers' Union Health Fund (Australia).

Thanks! I believe life insurance in the U.S. might be a bit different. There are phlebotomists who specialize in making home visits to take blood tests for life insurance, lol.