Jump to content
×
Are you looking for the BariatricPal Store? Go now!
$99 Yearly Supply Alert! 🌈 "1 per Day!" Bariatric Multivitamins

Life Insurance after lap band

Donna0526

By Donna0526, in LAP-BAND Surgery Forums

Recommended Posts

Donna0526    0

Donna0526
Posted

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?

Share this post

Link to post
Share on other sites

heartfire    4

heartfire
Posted

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.

Share this post

Link to post
Share on other sites

ethansgrandma    0

ethansgrandma
Posted

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?

Share this post

Link to post
Share on other sites

momcof3    1

momcof3
Posted

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.

Share this post

Link to post
Share on other sites

TQUAD64    9

TQUAD64
Posted

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.

Share this post

Link to post
Share on other sites

Donna0526    0

Donna0526
Posted

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!!!!! :lol:

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

Share this post

Link to post
Share on other sites

Jaffa    5

Jaffa
Posted

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?

Share this post

Link to post
Share on other sites

heartfire    4

heartfire
Posted

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!

Share this post

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
Go To Topic Listing LAP-BAND Surgery Forums

  • Trending Products

  • Trending Topics

  • Recent Status Updates

    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 0 replies
      1. This update has no replies.
    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

        I don't know at what point my life expanded, was it when I lost 100 pounds? Was it when I left my walking stick at home ? Was it when I said yes to an outing instead of finding an excuse to stay home ? i look back at my last five years and wonder how loosing weight has made such a difference. Be ready to amaze yourself.

        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

    • CaseyP1011

      CaseyP1011

      Officially here for a long time, not just a good time💪
      · 0 replies
      1. This update has no replies.
    • KimBaxleyWilson

      KimBaxleyWilson

      Three months and four days ago... I was in Costa Rica having a life changing surgery! Yesterday we had a followup visit with Dr. Esmeral via video chat and this morning my middle number changed.  I'm down 47lbs and two pants sizes. I can wear a Large tshirt for the first time in like... 14 years! Woot!! Everything is going great. I have zero regrets. I went down to the riverwalk with a friend and walked 2 miles on Monday without even getting fatigued. And no more snoring or chugging pickle juice for crazy leg cramps! I need to go to the gym more... I'm making new shirts next week so that will motivate me. LOL But I'm also just not as TIRED all the time! I have a LONG way to go...but seeing the progress on the scales and in the mirror is a huge motivator!! Thank you all for cheering me on and supporting me!!
      · 0 replies
      1. This update has no replies.
    • bellaamey

      bellaamey

      https://alluniqueguide.com/java-burn-coffee-reviews/
      · 0 replies
      1. This update has no replies.

  • Recent Topics

  • Hot Products

  • Sign Up For
    Our Newsletter

    Follow us for the latest news
    and special product offers!
  • Together, we have lost...
      lbs

    PatchAid Vitamin Patches

    Bariatric Forums

    For Patients

    Health Professionals

    Search Surgeons

    Bariatric Surgeons: Want to research a weight loss surgery surgeon? Enter their last name below to start!

    ×