When applying for life insurance coverage, the insurance company’s underwriters will typically want to review the applicant’s overall health condition and health history. There are certain criteria that may be concerning to the underwriters – one of which is if the person is overweight. This is due to the fact that being overweight – especially if a person is considered to be obese – can lead to some serious health issues, such as stroke, heart attack, and / or diabetes.
Because of this, many people attempt to lose weight in order to become healthier. Unfortunately for some, doing so through just diet and exercise doesn’t work. Therefore, alternate measures must be taken – and for these, certain surgical procedures such as a biliopancreatic diversion may be needed.
Yet, while certain procedures can help an individual to lose weight – and ultimately to become healthier – the surgery itself could potentially bring about complications itself, which can be a concern to life insurance companies when an applicant is applying for coverage. The good news is that even if you’ve had a procedure such as a biliopancreatic diversion, you can still obtain life insurance.
How a Biliopancreatic Diversion Works
With a biliopancreatic diversion, the regular process of digestion is changed by making an individual’s stomach smaller. The procedure ultimately allows food to bypass a portion of the patient’s small intestine so that fewer calories are absorbed. The ultimate result is that after eating much smaller portions of food than normal, the person feels more full – thus, reducing the total amount that he or she wants to eat and leading to loss of weight.
Going with the biliopancreatic diversion, a portion of the stomach is removed, and the part that remains is attached to the lower part of the small intestine. This surgery is considered to be high risk – and because of that, it is only recommended for those who have been unable to lose weight in any other manner.
Due to the high risk that is involved, the biliopancreatic diversion can also cause long-term health issues. This comes primarily from the patient’s body having a more difficult time with the absorption of food and nutrients. In order to make up for this, the patient will need to take both vitamin and mineral supplements throughout the remainder of their life.
Immediately following the surgery, the patient will not be able to handle large amounts of food, and should only eat a very small amount of soft food during the first several weeks. Over time, small amounts of solid food can be added back into the diet. However, if food is not properly chewed, the individual may feel discomfort and / or nausea. And, if overeating ensues, then the stomach could potentially be stretched back out, making the surgery irrelevant.
Because the surgery essentially removes the portion of the intestine where many vitamins and minerals are more easily absorbed, the individual may develop an iron deficiency, as well as a deficiency in calcium, magnesium, and / or other vitamins. Therefore, it is essential to ensure that a proper amount of nutrients are being taken in during meals in order to prevent such deficiencies.
As with many other types of surgery, there are other risks and side effects that are possible following a biliopancreatic diversion. These can include the following:
- Dumping Syndrome – Dumping syndrome can cause weakness, faintness, sweating, nausea, and the possibility of diarrhea after eating.
- Poor Nutrition – Because patients typically eat less and do not absorb nutrients as well following surgery, they may not get the proper amount of nutrients that they need – which can in turn, cause additional health issues. This can be altered by taking vitamin supplements.
- Diarrhea – Due to poor absorption of fat, protein, iron, calcium, and vitamins B12, A, D, E, and K, both diarrhea and bad smelling stools can occur.
- Higher Risk of Osteoporosis – Due to lower absorption of nutrients, those who have undergone the biliopancreatic diversion may also be at a higher risk for osteoporosis.
Can a Person Qualify for Life Insurance Protection Following Biliopancreatic Diversion?
Because of the risk factors that are involved with a biliopancreatic diversion, it can be more difficult to qualify for life insurance coverage. However, it is possible to obtain the coverage that you need.
When applying for traditionally underwritten coverage, it will be necessary to fully complete the application for coverage. Here, the insurance company will want to know basic personal information such as your name and contact information, basic health information, gender, smoking status, occupation and income, hobbies (especially any hobbies that are considered to be risky or dangerous), and family health history.
You will also likely be required to undergo a paramedical exam. This entails meeting with a paramedic professional who will take a heart and blood pressure reading, and will also take a blood and urine sample.
What the Life Insurance Company’s Underwriters Want to Know About You
In addition to the basic information and paramedic exam, it is likely that the life insurance company will require additional information regarding your biliopancreatic diversion procedure in order to get a clearer picture of your overall condition. Some of the specific questions that you may be asked include the following:
- When was your biliopancreatic diversion procedure performed? The date of your procedure will be important for the underwriters to know. If your procedure was performed within the last six months, you might be required to wait longer in order to qualify for coverage. If, however, it has been more than two years since your procedure, then you may be able to qualify for coverage – especially if you have not had any complications resulting from the surgery.
- Have you had any complications as a result of your biliopancreatic diversion? There are various complications that could result from this type of procedure. Depending on whether you have suffered any complications – and if so, what they are – will make a difference on the application for coverage.
- Do you take any medication, and if so, what is the dosage? If you are taking any medication as a direct result of a complication from the surgery, it may be necessary for the underwriters to obtain additional information on your medication and the dosage prior to making a decision on your coverage.
- Do you have regular visits and / or check-ups with your surgeon? Having regular visits and / or check-ups with your surgeon is a positive sign. The records from these visits, as well as any additional information from your health care professionals, will likely be reviewed by the insurance underwriters as a part of the overall underwriting process.
- Have you had any relevant testing done within the past six months such as x-rays and / or ultrasound? If you have had any type of relevant testing done within the past six months such as x-rays and / or ultrasound, then these will also typically be reviewed by the underwriters in order to obtain a clearer picture of your overall health.
How Much Will Your Coverage Cost?
The premium that is charged for your life insurance coverage after a biliopancreatic diversion will be determined in large part by a variety of factors. These will include your age, gender, and overall health history. Your weight when you get your health exam will play a major role. If you have lost a little weight but still get rated for overweight life insurance then you are going to pay more. It will also include whether or not you have had any complications following your biliopancreatic diversion, and how well you have been managing your weight and your condition since your procedure.
If you are in good health overall, it is possible that you could qualify for a standard policy classification. This means that you would pay the premium rate of a policyholder who is in average health.
However, if the insurance underwriters feel that you pose more of a risk to the insurer, then you may be placed into a substandard policy category. In this case, while you would still have coverage, the premium rate that you are charged would be higher.
How to Get the Best Quotes on Life Insurance after a Biliopancreatic Diversion
In order to obtain the best quotes on life insurance after a biliopancreatic diversion, it is usually best to work with a company or agency that has access to more than just one insurance carrier. That way, you will have a better chance of obtaining the coverage that you need.
If you are ready to start seeking coverage, we can help. We work with many of the best life insurers in the industry, and we can assist you in obtaining the details that you require. In order to move forward, just simply <Click Here>.
Should you have any additional questions regarding getting life insurance after biliopancreatic diversion, please feel free to contact us directly. We can be reached via phone, toll-free, by dialing 888-229-7522. We want to ensure that you have all of the answers that you need as you pursue the protection that you deserve. So, contact us today – we’re here to help.