As discussed in my first post for Biggest Loser, NBC’s reality weight loss show, from a life insurance perspective, there is more to the picture than just weight. Life insurance rates are based on mortality assumptions, how long a person might expect to live. The problem with obesity is that it can lead to a host of collateral health issues .

I would also like to add that the Biggest Loser website has a blog done by Dr Jen Kerns. Dr Kerns will be answering health questions related to weight loss and I highly recommend that you follow her posts.

There is an assumption as I provide quotes that there are no underlying health issues. Because insurance companies reward long term weight loss, there will be an assumption that the weight loss has been kept off for more than a year. All life insurance quotes are for $250,000 of 20 year term. I will be using the company that will make the best offer at any given height and weight. All quotes will be yearly premiums.

The show started with 18 participants and is down to 16. Below is a list of their height and weight at the beginning of the show, their weight at the end of the second episode, the best price available for the life insurance when they started and the best price currently.

Jerry – 62, 5’11, Start 297#, now 256 – Start quote $3681.00, now $2412.00

Kae – 27, 5’2, Start 225#, now 200 – Start quote $310.00, now $225.00

Neil – 25, 6’2, Start 421#, now 389 – Start quote $560.00, now $441.00

Nicole, 26, 5’6, Start 279#, now 265 – Start quote $344.00, now $310.00

Patty, 34, 5’8, Start 280#, now 265 – Start quote $449.00, now $388.00

Ryan, 29, 5’10, Start 374#, now 349 – Start quote $610.00, now$544.00

Red Team

Amy, 28, 5’6, Start 297#, now 285 – Start quote $413.00, still $413.00

Bryan, 29, 6’0, Start 346#, now 325 – Start quote $544.00, now $430.00

David, 31, 6’0, Start 368#, now 344 – Start quote $622.00, now $580.00

Phil, 27, 6’5, Start 403#, now 372 – Start quote $513.00, now $453.00

Black Team

Bill, 40, 5’8, Start 334#, now 301 – Start quote $912.00, now $794.00

Hollie, 28, 5’7, Start 255#, now 242 – Quote $319.00, now $225.00

Isabeau, 21, 5’8, Start 298#, now285 – Start quote $344.00,  still $344.00

Jez, 24, 5’8, Start 345#, now 320 – Start quote $570.00,  now $520.00

Jim, 40, 5’7, Start 361#, now 334 – Start quote $1148.00, now $1078.00

Julie, 34, 5’2, Start 218#, now 213 – Start quote $388.00, still $388.00

Some dramatic changes in weight and rates, and more importantly how the participants feel and feel about themselves.

Some of the rate changes may seem exceptionally large in comparison to the weight loss and that will occur when a person reaches a build that moves them from one company to another based on build charts. Also keep in mind that not all weight loss will result in an immediate rate decrease. Build charts can span as much as 20-30 pounds per rate class.

Bottom line. Doing something about the excess weight is doing something about recapturing life and longevity. Obesity carries too many chances for collateral health issues.

Have you been declined or rated for life insurance, or believe you might have a hard time being approved? We can help get you, your family, or your business approved for life insurance at fair rates.

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