This is because life insurance rates for overweight or obese people are always higher than standard rates.
Although some people can lose weight by simply changing their diet and exercising, for others, it’s not so easy. In still other cases, weight may be an issue that is a factor in other serious health complications. For these individuals, getting a sleeve gastrectomy may be recommended for removing some of the weight, and ultimately improving their overall health.
Yet, even though this procedure can be helpful, it too can also come with its own potential set of complications. For this reason, some who have undergone this type of surgery may find it hard to get life insurance – at least by going the traditional route. It is, however, possible for many who have undergone a sleeve gastrectomy to get the coverage that they need.
How the Sleeve Gastrectomy Procedure Works
Sleeve gastrectomy, also known as gastric sleeve surgery, has become a popular surgical procedure for helping individuals to lose weight. Over the past several years, it has overtaken gastric bypass in terms of preference for many surgeons. One reason for this is because the sleeve gastrectomy procedure is less invasive, and it does not rearrange the patient’s digestive system. It is also typically a less expensive procedure.
Yet, the sleeve gastrectomy procedure has been shown to have similar results regarding patients’ weight loss, and it also has been shown to have a comparable impact concerning obesity health-related issues.
The sleeve gastrectomy instead works by removing a large part of the individual’s stomach. This leaves a banana-shaped “sleeve,” which then connects the patient’s esophagus to their small intestine.
Often, anyone with body mass index (BMI) of 50 will have this procedure performed as a first step to getting their weight reduced prior to moving forward with a more invasive surgery such as the gastric bypass or the duodenal switch.
While other weight loss surgeries have proven to have many potential complications, the sleeve gastrectomy has shown to have less. For example, it tends to have a reduced risk of malnutrition or vitamin deficiency. Also, it avoids issues such as dumping syndrome – an issue that can be common with procedures such as gastric bypass and gastric banding.
There are, however, some considerations to be aware of with the gastric sleeve, which can pose a risk to one’s health. This, in turn, can be of concern to a life insurance underwriter. For example, this particular operation can create a long line of staples which can present an increased risk of both bleeding, as well as staple line leaks.
Also, unlike the gastric banding surgery, the sleeve gastrectomy procedure is not reversible. This means that once the patient’s stomach has been shrunken, there is not any way to change it back to its original size.
The main side effect that those who have sleeve gastrectomy surgery experience is GERD or gastroesophageal reflux disease. While this typically improves with time, approximately one out of five patients will still experience this one year after the surgery. However, after three years, only approximately 3% of patients are still experiencing the GERD side effects.
Can You Qualify for Life Insurance Coverage?
We get this question a lot – can you get life insurance after having a gastrectomy surgery?
While every situation is different, in most cases, the answer is yes!
As long as you don’t have any major health problems, you can get coverage at a reasonable rate.
What the Life Insurance Underwriters Will Want to Know
Because you’ve had a major surgery in the past, you’re going to face some questions other application won’t:
- When did you have your sleeve gastrectomy procedure performed? The time frame of when you had your sleeve gastrectomy performed can make a difference in your life insurance application. For instance, if your procedure was performed within just the past six months, then it is likely that the underwriters will want you to wait until some additional time has passed. If, however, it has been more than two years, and then you can typically proceed with your application.
- Have you had any related health problems in the past six months? Various symptoms such as diarrhea after eating and/or bloating could be signs of complications that need additional attention by your doctors. If this is the case, the underwriters may also need more information on your overall health condition before moving forward.
- What prescriptions are you taking (If so, what medication and what is the dosage?) The company will want to know if the medications are because of the surgery or because of another condition.
- Do you have regular check-ups and/or visits with your surgeon? Having regular visits and/or check-up with your surgeon is always recommended.
- Have you undergone any other testing, like x-rays? The agent will want to see results from all of these tests.
How and Where to Obtain the Best Quotes
Now that you know what the company is going to be looking for, now you need to know how to get coverage.
Here is the good news – it’s much easier than you would think. Actually, it could be as simple as a few mouse clicks or a short phone call.
How can it be that easy? You let us do it for you. Think of us as your personal insurance experts. You call us, we bring cheap rates to you.
Yes, you can do all of the comparing and quotes yourself, but why would you want to spend your time doing something we can do much quicker. You have two ways to do this, either call us on the phone us go ahead and answer those questions on the side of this page.