For anyone who has had Gastric Bypass surgery looking for life insurance to protect their family, home or business, there are several considerations which we will be able to guide you through. Your application for Gastric Bypass life insurance will be assessed by an insurance underwriter who will review the answers you have provided on the form which we will complete on your behalf. Underwriters will be looking for the following information:
- When did your surgery take place and what age were you
- Was there a specific reason for you having Gastric Bypass surgery
- Are there any other risks such as Type 2 Diabetes
- What was your weight before surgery and what is your weight currently
- Are there any mental health issues
If you have previously applied for Gastric Bypass life insurance and you have either been offered cover on the basis of special terms (e.g. premium loadings) or even had cover declined altogether then we may be able to help you. It could be possible that your application for Gastric Bypass life insurance was either submitted to an insurance provider who does not accept this type of cover or one with strict underwriting for your condition.
Life insurance for Gastric Bypass surgery should be available from standard rates where the surgery was several years ago and there has been a period of stability with no major fluctuations in weight.
If you are looking for Gastric Bypass life insurance and your surgery was either recent or if your weight has increased then you may find that your premiums are loaded more heavily.