at preferred rates. Instead they will pay standard rates losing out on the best possible rate because their weight doesn’t fall into the model that the insurance companies use to identify risk. “The 65% of American’s that are overweight or obese all fall out of the preferred ratings, and if coverage is available to them it is The numbers are staggering, with a reported 65% of American’s weighing in as overweight, and according to the American Obesity Association in Washington, DC, 40% of all US women and 25% of US men are attempting to lose weight at any given time. As a nation we expended over $30 Billion dollars last year trying to lose weight or maintain a sensible weight. The media reports these statistics but on an individual basis, the reasons for losing weight and maintaining a healthy weight are equally compelling.

An obese person is more likely to have health issues. The Center for Disease Control (CDC) and the Journal of American Health Administration (JAMA) have both noted that obesity is linked to diabetes, heart disease, high blood pressure and high cholesterol. With each extra pound an overweight person carries around, the risk to their health becomes more statistically possible. And these statistics are what drives up the cost of life insurance for overweight individuals. Simply by being overweight a person can negatively impact their quality of life, increase health risks and pay more for services and products, like life insurance.

How does being overweight cost a consumer more? An individual who is 20-30 lbs. overweight but otherwise in good health can purchase life insurance but not at preferred rates. Instead they will pay standard rates losing out on the best possible rate because their weight doesn’t fall into the model that the insurance companies use to identify risk. “The 65% of American’s that are overweight or obese all fall out of the preferred ratings, and if coverage is available to them it is a

r maintain a sensible weight. The media reports these statistics but on an individual basis, the reasons for losing weight and maintaining a healthy weight are equally compelling.

An obese person is more likely to have health issues. The Center for Disease Control (CDC) and the Journal of American Health Administration (JAMA) have both noted that obesity is linked to diabetes, heart disease, high blood pressure and high cholesterol. With each extra pound an overweight person carries around, the risk to their health becomes more statistically possible. And these statistics are what drives up the cost of life insurance for overweight individuals. Simply by being overweight a person can negatively impact their quality of life, increase health risks and pay more for services and products, like life insurance.

How does being overweight cost a consumer more? An individual who is 20-30 lbs. overweight but otherwise in good health can purchase life insurance but not at preferred rates. Instead they will pay standard rates losing out on the best possible rate because their weight doesn’t fall into the model that the insurance companies use to identify risk. “The 65% of American’s that are overweight or obese all fall out of the preferred ratings, and if coverage is available to them it is

JAMA) have both noted that obesity is linked to diabetes, heart disease, high blood pressure and high cholesterol. With each extra pound an overweight person carries around, the risk to their health becomes more statistically possible. And these statistics are what drives up the cost of life insurance for overweight individuals. Simply by being overweight a person can negatively impact their quality of life, increase health risks and pay more for services and products, like life insurance.

How does being overweight cost a consumer more? An individual who is 20-30 lbs. overweight but otherwise in good health can purchase life insurance but not at preferred rates. Instead they will pay standard rates losing out on the best possible rate because their weight doesn’t fall into the model that the insurance companies use to identify risk. “The 65% of American’s that are overweight or obese all fall out of the preferred ratings, and if coverage is available to them it is

s. Simply by being overweight a person can negatively impact their quality of life, increase health risks and pay more for services and products, like life insurance.

How does being overweight cost a consumer more? An individual who is 20-30 lbs. overweight but otherwise in good health can purchase life insurance but not at preferred rates. Instead they will pay standard rates losing out on the best possible rate because their weight doesn’t fall into the model that the insurance companies use to identify risk. “The 65% of American’s that are overweight or obese all fall out of the preferred ratings, and if coverage is available to them it is

at preferred rates. Instead they will pay standard rates losing out on the best possible rate because their weight doesn’t fall into the model that the insurance companies use to identify risk. “The 65% of American’s that are overweight or obese all fall out of the preferred ratings, and if coverage is available to them it is at standard or table rated rates, which means those extra pounds translate into increased costs” stated Sy Alter, President of Spectrum Direct Insurance Services. Mr. Alter has been selling life insurance for over 25 years and although rates have fallen on the average “an overweight person applying for life insurance is going to pay more than a normal weight person, it all comes down to increased risk of illness and death that overweight people face.”

A recent study cited obesity as the reason car and commercial air traffic costs are higher. It costs more to move a heavier body than a lighter one, something no one thinks about when they step on the scale. The more you weigh the more gas you buy to travel in your car. Mr. Alter summed it up this way “That brownie you bought is going to cost you a lot more than you thought!” He suggests buying a diet book or walking shoes to lower your weight, your insurance costs and improve your health and quality of life.