If you are looking for life insurance cover following gastric bypass surgery, iLL's unique comparison service and network of approved impaired insurance specialists can help you find the right insurance policy at the best price. When you apply for life insurance cover, any gastric bypass surgery that you have had in the last five years will need to be declared. iLL takes the hassle out of finding the right life insurance cover for your needs.
Gastric bypass surgery is a type of weight loss surgery that is performed under general anaesthetic using keyhole surgery. A gastric bypass is a procedure in which surgical staples are utilised to make a pouch shape at the top of the stomach. As a result, people who have the procedure feel fuller more quickly when they eat, causing them to maintain a healthier weight as they cannot physically consume more calories.
Gastric bypass surgery can cause a person to suffer from a range of complications and risks, including infection, blood clots, problems with the digestive system, gallstones and malnutrition. That said, the majority of people have the procedure successfully without complications. When you apply for life insurance cover following gastric bypass surgery, it is likely that an insurer will request further details from your GP, including details of your weight before your surgery, as well as your current BMI and whether you have had any complications as a result of your surgery.
Given the complications and health conditions that can occur as a result of a gastric bypass (such as infection), some insurers can be wary about accepting applications. All insurers have to underwrite applications they receive from customers looking for gastric bypass life insurance, and need to assess their level of risk. It can be more challenging to find an insurer that meets your needs if you have struggled with either your previous weight or your gastric bypass surgery. This is where our comparison service can help. At iLL, we can find you the right insurer for your condition.
If you are seeking life insurance cover after gastric bypass surgery that took place within the last five years, you may receive a small premium loading or be offered cover on standard terms if your weight and health are now considered normal. If there were any complications from your surgery or if you are still struggling with your weight and health issues associated with being overweight (such as heart disease or stroke), you may find that you are accepted for cover but with high premiums. Quotes for your life insurance cover will depend on your current health and the level of risk you pose to an insurer. Prices from insurers will vary depending on who you speak to. With iLL, you can find the best impaired gastric bypass life insurance specialist for your circumstances.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. Generally speaking, if there is a greater likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the right policy. Obtain your free quote below.
Get your Gastric bypass life insurance quote
iLL works with many of the UK's leading gastric bypass life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one gastric bypass life insurance broker. Submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK's leading FCA-regulated insurance providers. This should help you to find:
Get your Gastric bypass life insurance quote
People who have had gastric bypass surgery are generally accepted for critical illness cover. Your cover will be subject to premium loadings if you have suffered from health complications as a result of your surgery. If your weight has now decreased and you are at a healthy BMI with no health complications, you may even be eligible for standard rates. Generally speaking, the longer it has been since your surgery (without complications), the lower your critical illness premiums will be.
iLL's policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today.
For more information about having a gastric bypass, visit the following link:
iLL takes the hassle out of purchasing life insurance. If you have an impairment or gastric bypass surgery on your medical history, you may wonder where to find the best price and insurer for your circumstances. Fill in our simple online form with your details to be referred to our specialist impaired life insurance partners for gastric bypass life insurance.