Athletic Body and Term Life Insurance

My TRT protocol is going well for about a year now. Leaner from a bodyfat perspective and carrying about 15lbs more muscle now.

So, my term life insurance policy is ending and I'm looking into renewing it. Turns out, 6'1 and 209 lbs = Fat/overweight/average in insurance company parlance. No way to get "super preferred" rates unless I weigh 189 lbs or less at my height. They are quoting me an almost 2x premium because I'm "overweight".

What other options have you guys come across for term life insurance when "fit = fat" in their books?

Thanks.

dang really??? im 5'9" 205lbs and thinking of getting term life.. according to those stupid charts i should weigh 165lbs.. :lol:

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Originally Posted by --->>405<<---

dang really??? im 5'9" 205lbs and thinking of getting term life.. according to those stupid charts i should weigh 165lbs.. :lol:

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Fatass :-)

I should be 180 lmfao

I know what your talking about I just got a large policy for business reasons. They told me I am overweight at 6'1 235 so I requested a bf test (caliper style test at the clinic) it came back at 14% and it did lower the cost a small amount.

This one of the most bizarre things I have ever heard! I would have thought you joked but diesel101 apparently had the same problem.

Just wow!!!

Thanks
~T

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Follow my personal story here on this blog: An honest journey
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Originally Posted by tarmyg

This one of the most bizarre things I have ever heard! I would have thought you joked but diesel101 apparently had the same problem.

Just wow!!!

Thanks
~T

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Follow my personal story here on this blog: An honest journey
Trophy Husband - a countdown timer

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Weight is weight in the eyes of the insurance company I ran into it on every policy I've gotten in the past. This was the only time they allowed a bf test(due to policy amount).

Yes tarmyg. This is NOT a joke. I wish it were.

One of the "farm" related companies is extremely conservative and goes off the old BMI tables explicitly. Annoyingly, the representative encouraged me to continue working out and offered a "good job" comment for "doing that" but, unfortunately, "we can't cover you at our best rates".

I did find an A+ rated company (which in some way means the state will pay your claim if the company goes out of business). They used to be associated with Geico - so at least I've heard of someone who's heard of them.

With their calculations, at 6'1, I can go all the way up to 213 lbs and still qualify for their "best" rates (all other things being okay).

This PDF has a table of height/weight along with a rather detailed explanation of their other risk factors and thresholds including blood pressure and the like.

The link looks nasty so here is the way to get there -> Google "banner_opterm" and pic the PDF file on pibusa dot com for the PDF. That PDF is from 2010 and the rates they are quoting me now are a little cheaper but you'll get the idea of coverage levels.

I am not a proponent of insurance or insurance companies. I have no love for them whatsoever.

How did they surmise you were overweight? Probably the antiquated BMI measure. Idiots.

They don't have like an option to have a doctor's examination determine if one is health or overweight so that they can get the best rates?

I've been through this several times over the years. The best option for me was a hybrid policy. Basically a higher value term life insurance that converts to a lower value whole life insurance @ 65.
It's been my experience that banks and insurance companies are your best friend when you are paying $$ in, but your worst enemy when they have to pay $$ out.