Application for life insurance after weight loss / bariatric surgery
For those who undergo weight loss surgery, approximately 5-10% regain the weight loss and 10-20% require reoperation. Due to these statistics, insurers often only take into account applicants after a significant period of time has elapsed since bariatric surgery.
If you are within three months of restrictive surgery or six months of malabsorptive surgery, insurance companies are likely to postpone treatment. If this happens to you, do not be discouraged. You can apply again at a later time.
It is important to work with a life insurance broker when dealing with a history of weight loss surgery. Why? Brokers have access to many different life insurance companies, not just one.
When it comes to taking out life insurance, insurers are not unique. Some companies will be milder with certain risk factors, such as a history of bariatric surgery and obesity, than others.
This is a selection of some important insurance criteria that the insurance company needs to know:
- Your current height and weight
- Type of surgery and date of surgery
- If you have any previous history of associated chronic illness including diabetes mellitus, hypertension, hyperlipidemia, obstructive sleep apnea or cardiovascular disease
- If you experienced any complications from the operation
- If you have any functional limitations
When you apply via our online tool, you have several life insurance companies to choose from. We recommend that you go with the cheapest option because your agent will double check on the backend that the specific insurer is well suited for your specific situation.
»Get: Quotes about life insurance  After your application has been formally submitted to the chosen insurance company, they will request medical records from your doctors. Upwards, this step in the application for life insurance takes the longest. Medical surgeries are not always the fastest when it comes to sending records.