Life Insurance with Metabolic Syndrome

Life Insurance

Living with metabolic syndrome can significantly affect your daily life and may impose limitations when it comes to obtaining insurance coverage.

Your BMI may be the reason why some insurers are unable to provide you with life insurance coverage. We are here to assist in finding the right insurer for you, so you get the insurance you need.

There are several choices available for purchasing life insurance. It could be that it’s simply a matter of trying a different insurer, or we might need to explore some specialist options. We will provide an overview of the available options.

Information we should be aware of:

• When were you diagnosed with metabolic syndrome?
• What type of diabetes do you have?
• What medication do you take?
• Has your weight changed a lot recently?

When applying for life insurance, you must provide your pre-existing medical history to the insurer for a thorough evaluation of your application.

Individuals with metabolic syndrome must provide information on their specific type of diabetes, high blood pressure levels, height, and weight. The insurer will need information on your current medications, waist circumference, and potentially your dress/trouser size.

Some insurers might inquire about your lifestyle habits, including healthy eating and physical activity. There are certain life insurance policies that may offer reduced premiums for taking specific steps.

Additionally, inform the insurer about any other medical conditions you have. It’s possible that the insurer will request to talk to your GP for health confirmation. This is a standard procedure and is covered by the insurance company.

Critical Illness

Specialist policies can provide critical illness insurance coverage for individuals with diabetes. It’s important to understand that these policies generally have a lot of exclusions when it comes to filing claims, especially if diabetes is involved. It is crucial to understand what your insurance policy covers and does not cover before finalizing it.

Income Protection

If you have metabolic syndrome and are applying for income protection, it is important to understand that claims related to your diabetes may be excluded by the insurer. Based on your symptoms, it is possible that some insurance companies may not approve your income protection coverage.