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Life Insurance With or After an Eating Disorder

Researcher & Writer
July 27, 2015

One of the major reasons people pay too much for life insurance is because they limit their choices to just one company. At TermLife2Go we represent the top ten best life insurance companies and the best no medical exam companies in the marketplace. By providing our clients with options we are able to align the right carrier for each client. That is how we help our clients find the cheapest life insurance rates with an eating disorder. Please call today for a free consultation.

Buying life insurance with anorexia or bulimia

Whenever you apply for life insurance, the life insurance provider will be very interested in your medical history and current state. Your health – and how well you take care of your body – will impact your eligibility and the cost. Any health problems or risky behaviors will likely make you ineligible or at least cause you to pay a higher premium for your policy. Eating disorders are unhealthy and even have the propensity to shorten one’s life, which is why life insurance companies want to know if you have an eating disorder.

What is an Eating Disorder?

To put it in the simplest terms, an eating disorder is an unhealthy psychological relationship with food. There are many different types of eating disorders, two of the most prominent being anorexia and bulimia.

Anorexia is a disorder wherein a person restricts his/her food whenever possible. This can present itself in various dietary restrictions, but the ultimate factor is an obsessive desire to control of food usually driven by a fear of food. People suffering from anorexia may eat as little as 1/10th the daily recommended food intake.

Bulimia is similar to anorexia in that it is an obsessive disorder. In many cases, the individual tries to control food intake, and then spirals out of control into a binge period after which he/she purges the “mistake” by forcing him/herself to discharge the food through vomiting, laxatives or both.

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How will a life insurance company know if I have an eating disorder?

Carriers price their policies based on your medical records. If you have ever been diagnosed with anorexia or bulimia, it is your duty to disclose this information to a life insurance company. However, the truth is, millions of people have anorexia and bulimia and are never diagnosed. Whether or not you have been diagnosed, chances are you know if you are suffering from anorexia or bulimia. We highly recommend that you see a doctor at the earliest, even if it means your life insurance policy price may be higher – you deserve to live a healthy, long life.

Why does anorexia or bulimia impact my life insurance eligibility?

Both of these disorders are seriously dangerous and can result in harmful damage to your body. Your body needs food as nourishment, and whenever you deny your body of that, it will have grave affects. Constant gag reflex of vomiting associated with bulimia may increase a person’s chance of getting the relatively rare esophagus cancer. Anorexia can lead to organ failure, including heart failure. Eating disorders can be life threatening, which is exactly why a life insurance company wants to know about it.

If I have been diagnosed with anorexia or bulimia, can I still get life insurance?

Although anorexia and bulimia are very unhealthy, potentially life threatening disorders, it doesn’t mean that you will automatically be ruled out for having one or the other. Not everyone with an eating disorder will be declined life insurance. Different companies may still offer you a different type of life insurance policy, with or without an increased premium, depending on your specific case.

A life insurance company will want more information about your eating disorder, so will most likely ask you some questions. Each life insurance company will have different factors to determine who they cover, but these are some possible questions:

  1. When did you first get diagnosed with an eating disorder?
  2. Have you ever been hospitalized for your eating disorder?
  3. Which eating disorder(s) have you been diagnosed with?
  4. Have you ever been in a rehabilitation center or program?
  5. Are you currently treating your eating disorder? If yes, what is your treatment plan?
  6. What does your doctor have to say about your specific medical case?
  7. Are you seeing a psychologist or therapist for your disorder?

These are sample questions that can help an insurance company determine your risk level. After investigating your specific case, the life insurance company will come to their own decision as to whether or not they should underwrite your life insurance policy. If one life insurance company does not underwrite your policy, you should not give up; another insurance provider could underwrite your life insurance policy even with an eating disorder like anorexia or bulimia. Note: for extreme cases you may need to consider final expense or burial insurance from among the top ten best final expense insurance and burial insurance companies.

What if I used to have an eating disorder but no longer have one?

With a good treatment program, many people overcome eating disorders such as anorexia and bulimia. This may increase your chances of getting life insurance, but you should be aware that your medical history will always impact your life insurance eligibility.

One reason why an insurance company will take interest in your past eating disorder is because an eating disorder may have caused permanent damage to vital organs that can potentially cause health problems down the line. Another reason is because it is not uncommon for a person who has overcome an eating disorder to relapse later in life. In terms of relapsing, the more time that has passed since you overcame your eating disorder, the less likely you are to relapse – life insurance companies will take this into consideration. It is possible for someone who has overcome an eating disorder to have no long term effects, and to get a life insurance policy at a standard rate.

Do I qualify for life insurance with an eating disorder?

If you want to know whether or not you will qualify for standard or premium rated life insurance despite your current or past eating disorder, you can contact us at TermLife2Go. As we mentioned, no two life insurance companies function the same, which means that you may be eligible for policies through some companies and not through others. That’s where our expertise comes in handy. We thoroughly understand the policies offered by dozens of life insurance companies. This makes us one of the best organizations to help you understand all your life insurance options and come to the conclusion right for your life situation. We will guide you through the entire process and help you get the best coverage possible.

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.