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Gastric Bypass Surgery, Gastroplasty, Bariatric Surgery and Life Insurance
When you apply for life insurance, the provider is likely to scrutinize your entire medical history, including every medical procedure you have ever had. If you have had any kind of weight loss surgery such as gastric bypass surgery, your potential insurance company will want to know about it. While some surgeries make obtaining a reasonably priced life insurance policy after weight loss surgery difficult, these surgeries don’t necessarily have to have a negative impact on your life insurance rate.
Life Insurance after Gastric Bypass Surgery, Gastroplasty, or Bariatric Surgery
What is Gastric Bypass?
There are many different types of weight loss surgeries and are typically recommended for individuals who are at least 100 pounds overweight. These surgeries involve altering the digestive system in some manner in order to suppress your appetite and/or capacity to consume a lot of food.
Gastric Bypass (sometimes referred to as gastric stapling) is one of the most common types of weight loss surgery. This procedure reduces the size of your stomach by making it into two sections, only one of which food can enter. You will likely only be able to hold around 1 ounce of food, thus making it impossible for you to overeat. Then, the surgeon will remove part of your small intestine and connect it to the new, smaller stomach. This helps reduce the amount of calories your body absorbs. As a result, your body will also absorb fewer nutrients which can result in nutrient deficiencies such as anemia. Unlike other weight loss surgeries, gastric stapling is a permanent surgery.
People who undergo gastric stapling are much more likely to keep the weight off than those who undergo other types of bariatric surgery such as lap band surgery. Because of this, the surgery can have a positive long-term affect on your health—something which life insurance companies will appreciate. However, there are a number of risks that are associated with gastric bypass that may concern life insurance companies.
Will I be approved for life insurance after gastroplasty?
Many people have gastric bypass surgery for aesthetic and health reasons. Being more than 100 pounds overweight can take a toll on your health, so shedding the extra pounds is a great thing you can do for yourself. Because of this, weight loss surgery can possibly improve your chances of getting approved for a standard life insurance rate. The trick is proving you have not had any complications due to gastroplasty.
Because symptoms and complications can arise over time, you will have a better shot at a standard life insurance rate if you have already had one or more healthy post-op years. This is sufficient time for you to prove to your potential life insurance company that the surgery has been successful and that you are not at risk of any serious health issues because of the surgery and being labeled high risk life insurance.
Some of the risks include:
- Blood clot
- Infection or internal bleeding
- Intestinal leak
- Heart problems
The chances of such complications are low, and will likely appear relatively soon after the surgery, which is why the amount of time between the date of your surgery and when you apply for life insurance is crucial to the rate will ultimately receive from an underwriter.
What if I have had complications due to gastric bypass?
If you have suffered from any complications because of your bariatric surgery, you won’t automatically be denied a life insurance policy. For example, you may still qualify for life insurance at a premium if:
- You suffer abdominal pain because of the surgery
- You have had leakage which has since been fixed
- You have damage to your digestive system, but it is still somewhat functional
Whether or not you are approved for a life insurance plan depends on the type of complication(s) you had, and if the damage was permanent.
What will a life insurance company ask me when I apply?
When you apply for a life insurance policy after having had bariatric surgery, they are likely to ask you a number of questions to help them assess your overall risk level. To help you prepare for your application process, we have put together a list of questions you may be asked by a life insurance company or agency:
- When was your bariatric surgery?
- What kind of bariatric surgery did you have?
- Where was your surgery done? (Life insurance agencies will be interested to know if you had it done in the US or abroad).
- What was your pre-op weight?
- What is your current weight?
- Have you experienced any post-op complications or symptoms of potential complications?
- When was the last time you saw a doctor regarding your weight loss surgery?
- Are you on a specific meal plan?
- Do you have type II diabetes or type I diabetes?
- Have you had any diagnostic tests done in the last year?
A life insurance company may ask you any or all of these questions to get to know more about your gastric stapling. Every person’s experience is unique, and most life insurance companies appreciate that; by asking you these questions they can assess your individual situation and make a decision based on your specifics.
What if I have not yet had weight loss surgery?
If you are planning on getting weight loss surgery but aren’t sure if you should apply for life insurance before or after the surgery, it is recommended that you speak with an expert about your situation. The reasons for getting the surgery and the type of surgery you plan on getting will help you determine if you should apply for life insurance pre or post-op. Many people would like to apply for life insurance prior to getting a major surgery, so as to provide protection for their family in the event that fatality occurs during the operation.
What insurance company is best for a person who has had gastric bypass surgery?
It is difficult to make a standard recommendation for all patients who have had bariatric surgery. You are a sum of many parts, and other life circumstances and health issues matter just as much as your gastroplasty when choosing a life insurance agency. That’s why your best bet would be to speak with us at TermLife2Go.
The agents at TermLife2Go can help you make important decisions about your life insurance policy. We do this by getting to know about your health, medical and family history, and your lifestyle choices. We then use this information to find the best types of life insurance policies for you—not just for a generic gastric bypass patient, but for you, a unique individual with specific needs and wants. We have extensive knowledge of the policies offered by dozens of the best life insurance companies in the United States. This puts us in a great position to make recommendations customized for you.
If you would like a free life insurance consultation with TermLife2Go, please contact us today.
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