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I watched the beginning 15 minutes of a TV show the other night called Fat March where 6 men and 6 women, all substantially overweight to morbidly obese, were going to walk 500 miles to see how many pounds they could shed. Unlike most folks trying to lose weight, if these people make it 500 miles they will each get a cut of $1.2 million. That’s some serious incentive.

The problem is there are only enough reality shows to offer incentive to a few people a year and obesity marches on for the average person. At this point most of the 12 people on that show would not qualify for traditional life insurance. It remains to be seen if they can make it into the insurable ranks by walking 500 miles.

Here is a breakdown of how much they would pay for life insurance, if they are insurable, right now. I was able to get profiles from www.zap2it.com. The asterik that goes with these quotes is that there is an assumption of no health issues and being non smokers. For continuity they will all be quoted for $250,000 of 20 year term with Prudential Financial. At the end of the show I will requote them.

1. Anthony, a contestant on ‘Fat March,’ 25, 6’3″, 410 pounds, 25-year-old virgin – He is unemployed and resides in Addison, Illinois. Cost of insurance $560.00.

2. Chantal, a contestant on ‘Fat March,’ 35, 5’2″, 250 pounds, comedian — A student who resides in Brookline, Massachusetts. Cost of insurace $535.63.

3. Jami Lyn, a contestant on ‘Fat March,’ 30, 5’9″, 226 pounds, military wife — A housewife who resides in Daleville, Alabama. Cost of insurance $430.63.

4. Kim, a contestant on ‘Fat March,’ 39, 5’5″, 225 pounds, former rap diva — A real estate investor who resides in Duluth, Georgia. Cost of insurance $535.00

5. Loralie, a contestant on ‘Fat March,’ 30, 5’3″, 233 pounds, wants to have a baby — A marketing resources expert who resides in Milwaukee, Wisconsin. Cost of insurance $381.25.

6. Matt, a contestant on ‘Fat March,’ 36, 6’3″, 386 pounds, professional wrestler — He resides in Cincinnati, Ohio and is married with two children. Cost of insurance $613.75.

7. Michael, a contestant on ‘Fat March,’ 41, 6’2 1/2″, 330 pounds, baseball coach – A lab technician who resides in Elwood, Illinois. Cost of insurance $735.00.

8. Sam, a contestant on ‘Fat March,’ 22, 5’9″, 371 pounds, certified massage therapist – He resides in Everett, Massachusetts, is single, and believes that his weight has kept him from being hired. Cost of insurance $620.00.

9. Shane, a contestant on ‘Fat March,’ 34, 6’0″, 500 pounds, new dad – A youth minister who lives in Mesquite, Texas. UNINSURABLE!

10. Shea, a contestant on ‘Fat March,’ 27, 5’7″, 280 pounds, former college softball player — A makeup/special effects artist who resides in Indian Rocks Beach, Florida. Cost of insurance $355.00.

11. Wendy, a contestant on ‘Fat March,’ 40, 5’6″, 234 pounds, professional singer — A bookkeeper who resides in La Canada, California. Cost of insurance $575.63.

12. Will, a contestant on ‘Fat March,’ 26, 6’2″, 470 pounds, competitive eater — He works in retail and resides in Brooklyn, New York. UNINSURABLE!

Bottom line. I guess we’ll see.

This post is somewhat dated. Life insurance underwriting is changing and evolving continually. For more updated information check out some of the key word links. If you have a specific question or topic you need information for do a search. If you don’t find the answers you need contact me and we’ll make sure you get the information that is important to you.