Has anyone tried to buy life insurance after having lap band surgery? I have tried twice to buy additional life insurance but was turned down by both companies. I have asked why the decisions were made but have not yet received a response. Has anyone else experienced this?

Hopefully you get some answers from them soon. DH and I have been thinking of looking into switching ours to save some money. With your post, I'm now wondering if we'll be able to! It's not something I thought of before! :thumbdown:

Hopefully you'll get some one posting that has gone through this and has some advice.

Generally if you've been hospitalized in the past 2 years, life insurance companies don't really like you...

My husband and I were both able to obtain life insurance after our bands. The premiums are a little higher, but it wasnt too bad. I was told that after two years we could be re-evaluated for a premium decrease. Who were you gonna go thru?

I already had life insurance before lapband surgery and my premium was higher because I was morbidly obese. Since losing 67 lbs, I went to see my agent to see if I could get my premium lowered due to weighing less. She seems to think I can. A guy came to my house on Sat and weighed and measured me and took my blood pressure. I am interested to see what happens now after reading the posts here. I had a hysterectomy and the lapband this last year. I will let you know what happens.

I am very interested in this post. Please let us know what their reason was when you find out. Right now, I have employer life insurance, but I am planning to retire and would need to find my private life-insurance.

One of the insurance companies was New York Life, and I can not remember the name of the other ( will check when I get home tonight !!!). When I find out something about the refusal I will be sure to post it. I really believe having this surgery so soon before applying for this insurance had something to do with it. If so, maybe after losing a good amount of weight, the surgery will not have any affect on a decision to cover me. In 2007, I had to purchase health insurance on my own because of being laid off from my job. At that time I chose a plan with BCBS of NC that was advertised for $257.00/mo for single coverage; but due to my weight at that time (282 lbs), the premium was increased to just over $1,000.00/mo !!!! Unbelievable!!!!!

Again, I will post again when I have more info. Happy weight loss everybody.

Hmmm....if your in a position to retire, why would you need or want life insurance? I have never thought of anyone doing this at that stage of life?

Obviously people do it, you see the commmercials going after old people all of the time. But, I thought these people must be a little goofy?

Steve, in our case, when DH retires, DD will still be in HS. If something happens to us, we want her taken care of. If something happens to DH, I need the income to help us survive. That's just our scenario.

On another note, some one mentioned earlier about having been hospitalized and insurance not liking that. I was outpatient for my surgery so in that regard, I should be okay. It would be if they have a problem with bariatric surgery and having had it less than a year ago. Guess I'll find out when we try it!