Its sooo unfair

[LucyLou]

I dont know if anyone has experienced the same problems? Im 26 and yes Im overweight but I have no ailments or take no medication etc etc.

Why when I get mortgage insurance or life assurance am I always charged more? They call it loading?? I always have to go for a medical and they tell me Im fit as a fiddle but still I have to pay more....Ive been told its because Im overweight!

Anyone else have similar experiences?

 

[misscheeky]

one word yes, when we were buying our house and had to get life insurance, i hate to get a medical done and because i had my gallbladder out and am overweight policy went up oh and because bf smokes an extra 1euro a month. Its madness! Other than my weight i have nouthing wrong with me

 

[Skyemagic]

I am totally appalled reading this. Maybe I'm naive but I didn't know that is happening..

I have a mortgage but when we first too that out there was no medical..and allthough I was a bit overweight I wasn't too bad, I guess...

That is so discriminating. I wonder if they charge alcoholics more as well...just not fair and I will stop ranting now..

xxx

 

[disconapduff]

hey - i work as a financial adviser for mortgages and life assurance. mortgages themseves wouldnt be loaded but depending on the life company a high BMI can mean you are classed as being 'higher risk' for certain things such as diabetes, high blood pressure etc so they may increase the premiums slightly

 

[Skyemagic]

I suppose in a way it is understandable but I still am quite gobsmacked. Just seems really unfair. Some big people are actually healthier than skinny ones. I know that that's what the medical is for it just seems very judgemental to me..

Sorry, I'll stop ranting now..promise

 

[LucyLou]

He he!! No I ranted a lot myself in the beginning! It wasnt the mortgage that was loaded just the life assurance! Bummer really considering my BMI will be much lower soon!

 

[SuffolkGuy]

I'm sure that they base it on carefully calculated average risk - and on average, overweight people are more likely to have health problems/die earlier - so you would expect them to add a premium (just like men often pay more than women cos women live longer - on average). Agreed, an individual overweight person may be generally healthier than an individual normal weight person, but the companies have to work with averages!
I currently would dread having to have a medical at the moment - just one of the many reasons I've determined to lose weight once and for all.

 

[wendy anne 69]

i nearly had life insurance twice both times the payout dropped significantly so didnt take on either of them no other medical problems apart from my weight

 

[30FlirtyGirl]

Hi Lucy, i cannot get critical illness cover with my insurance company as my BMI is over 40, I have had to take it out through my employer (which ironically uses the same insurance company). It is soooo annoying

 

[lizzylee]

This has made me even more determined to sort my weight out once and for all!

 

[LucyLou]

Lizzylee your so right. I said today that enough was enough (after stuffing my face and feeling really sorry for myself ). Im currently on the 1000kcal plan but seriously thinking of giving ss+ another go.

 

[spooky]

Hubby is a HGV driver and gets loaded for his car insurance because of his job. We pay a fair whack even with 4 years no claims.
In order to get a decent insurance rate, you have to be: fit, within healthy weight range, in a low risk job, have had no past medical history and an assortment of other bits. Perfection out there?? well, yes, but it depends on your definition of perfection!

 

[Hedgehog]

My hubbie is loaded and has certain exclusions due to his job, and I am loaded do to the fact I suffer with arthritis, its not just weight, they get you with everything they possibly can