Results 1 to 10 of 10
  1. #1
    Blankinator's Avatar
    Blankinator is offline Junior Member
    Join Date
    May 2013
    Location
    Dallas
    Posts
    99

    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.

  2. #2
    --->>405<<---'s Avatar
    --->>405<<--- is offline Elite-AR-Hall of Famer
    Join Date
    Sep 2011
    Posts
    12,836
    dang really??? im 5'9" 205lbs and thinking of getting term life.. according to those stupid charts i should weigh 165lbs..

  3. #3
    Hazard's Avatar
    Hazard is offline AR-Elite Hall of Famer
    Join Date
    Mar 2004
    Posts
    20,517
    Quote 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..
    Fatass :-)

    I should be 180 lmfao
    Failure is not and option..... ONLY beyond failure is - Haz

    Think beyond yourselves and remember this forum is for educated members to help advise SAFE usage of AAS, not just tell you what you want to hear
    - Knockout_Power

    NOT DOING SOURCE CHECKS......


  4. #4
    diesel101's Avatar
    diesel101 is offline Anabolic Member
    Join Date
    Oct 2012
    Location
    upper midwest
    Posts
    4,322
    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.

  5. #5
    tarmyg's Avatar
    tarmyg is online now Knowledgeable Member
    Join Date
    May 2012
    Location
    Sweden
    Posts
    6,964
    Blog Entries
    162
    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



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


  6. #6
    diesel101's Avatar
    diesel101 is offline Anabolic Member
    Join Date
    Oct 2012
    Location
    upper midwest
    Posts
    4,322
    Quote Originally Posted by tarmyg View Post
    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


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

  7. #7
    Blankinator's Avatar
    Blankinator is offline Junior Member
    Join Date
    May 2013
    Location
    Dallas
    Posts
    99
    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.

  8. #8
    MuscleInk's Avatar
    MuscleInk is offline Knowledgeable Member
    Join Date
    Jun 2012
    Location
    A rock & a hard place
    Posts
    13,449
    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.

  9. #9
    Honkey_Kong's Avatar
    Honkey_Kong is online now Superbowl XLIX Champs!
    Join Date
    Apr 2009
    Location
    The Dude Abides
    Posts
    10,966
    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?

  10. #10
    almostgone's Avatar
    almostgone is online now AR-Platinum Elite- Hall of Famer
    Join Date
    Jun 2004
    Location
    the lower carolina
    Posts
    26,239
    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.
    There are 3 loves in my life: my wife, my English mastiffs, and my weightlifting....Man, my wife gets really pissed when I get the 3 confused...
    A minimum of 100 posts and 45 days membership required for source checks. Source checks are performed at my discretion.

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •