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  • Aarthi Ram

Wait? Should I lose weight before I apply for life insurance?

Updated: Feb 14


Well, yes and no. Here’s the thing, losing weight can definitely help lower your overall insurance rates, but don’t act too soon.

Not all weight loss is created equal.

Maybe you intentionally hit the gym, changed your diet to keto, and replaced your daily coffee for green teas and protein shakes.

But beware of losing too much weight too quickly.

Insurers are by no means genies that can magically predict your future health‑ but the numbers don’t lie. To see that your weight has been consistent for a majority of your life, and you recently dropped over 10 pounds in the past year will certainly raise a red flag for any insurer. Plan on receiving only 50% of the credit of that weight loss, until you’ve successfully maintained this weight for the past year.

Sure, some insurers will let you retake the medical exam a few years after your policy goes into effect, but it isn’t as easy as it looks. Make sure you talk to your insurance broker if you happened to recently lose weight or plan on it sometime in the near future.

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