Can You Get Life Insurance After Gastric Bypass?
[Yes, Here’s How]

Life Insurance After Gastric Bypass

When you begin the process of applying for life insurance after gastric bypass, you may have anxiety and feel overwhelmed with questions and where you should even begin.

It’s common, and you are certainly not alone.

Most individuals applying for life insurance are in the exact same position as you.

Even more so when you are applying for life insurance with a health history.

Often, when it comes to weight-related issues, consumers can be very hesitant to apply for life insurance.

This is one of the reasons it’s imperative to work with a high risk life insurance broker who can provide you with many options.

One of the questions I’ve heard recently is for individuals trying to make a positive change towards their weight and lifestyle.

Can you get life insurance after gastric bypass?

After years in the life insurance industry and handling high-risk life insurance cases frequently, here is what I can tell you on this topic.

So, can you get life insurance after gastric bypass? Yes, you can get life insurance after gastric bypass. To be approved for life insurance after gastric bypass the life insurance company will want to verify the surgery has taken place without complications, no future operations are needed and that your weight loss is remaining stable.

In addition to the three main factors we just mentioned above, the life insurance company will have a few additional questions and concerns when you apply for life insurance after gastric bypass.

However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.

You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.

You can do this easily by using our rate engine directly below.


The goal of this article is to detail the process for you and help give you peace of mind that you can, in fact, be approved for life insurance after gastric bypass.

We will also detail why weight can sometimes be a big factor with life insurance.

For a full overview of this topic, you can read our post about life insurance for morbidly obese here.

Let’s dive into those details now.

Can You Get Life Insurance After Gastric Bypass?

First and foremost, it’s essential to explain why gastric bypass has such a significant impact on your life insurance rates and approval chances.

You see, life insurance companies have built a system to determine overall risk and mortality chances for individuals applying for life insurance.

Gastric bypass although not the most dangerous surgery one could have is still considered high-risk operation and the life insurance companies will be a little more hesitant in the beginning without further information.

The primary purpose of gastric bypass surgery is to aid individuals in losing weight by changing the way the stomach and small intestine process the foods that you consume.

Gastric bypass surgery consists of 2 parts.

The first part of the surgery consists of shrinking your stomach by using staples to divide your stomach into 2 separate sections.

The second phase of the surgery will consist of connecting the small intestine to the smaller stomach pouch.

After the surgery, your body will only be capable of consuming a lesser amount of food thus limiting the total calorie intake you experience and aiding you in losing weight.

While A Common Surgery, It’s Still Considered A Risky Procedure for Life Insurance

Although gastric bypass is a prevalent surgery, it still carries a risk which causes the life insurance company to be more selective about approving you for coverage.

With gastric bypass, the life insurance company wants to ensure that complications such as internal bleeding, infections, blood clots or further surgery aren’t an issue you are experiencing and that the surgery has gone well without issue.

If this phase of the life insurance applications comes back clean and the life insurance company is comfortable with the results of the surgery, the next concern comes down to ensuring that the weight loss is remaining stable.

You see, rapid weight loss or weight gain can be dangerous to your health.

The underwriters want to be sure that the results are showing positive from the surgery and that the weight loss isn’t inconsistent and that you are genuinely making changes to your lifestyle to lead a healthier life.

If this is the case, you are in better in shape than you think and can certainly be approved for life insurance after gastric bypass surgery.

How Long Does My Weight Need to Remain Stable After Gastric Bypass for Life Insurance?

In most circumstances, the life insurance company will want to see the weight loss stable for 1 year before applying for coverage.

However, you need to understand that anytime you have a health history such as gastric bypass, your chances of approval are always going to be evaluated on a case by case situation.

What this means, in short, is that it’s never too soon to apply for life insurance coverage.

Especially if you are working with an independent life insurance agent, who has several companies and options that they can use to benefit you and find you the best fit possible for coverage.

At the very least, you can find out precisely what else is needed to be approved for coverage and familiarize yourself with the application process.

This can help better prepare you for achieving low rates and approvals when you apply again and have met the necessary requirements that the life insurance company is asking for.

Underwriting Gastric Bypass with Life Insurance

Now comes the part where you need to have all your ducks in a row.

This is the phase where the life insurance company will want to know specifically about your surgery.

In most circumstances, the company is also going to want to an “APS” or attending physician statement that details your surgery and medical records.

After the surgery, here is some information to expect the life insurance company to ask you.

The more accurate and more detailed you can be with your answers during this phase of the application process, the better.

Other Questions After Gastric Bypass

As always, life insurance companies like to know more about you and your health than just the information contained about your gastric bypass surgery.

In addition to the details about your surgery, the life insurance company will also ask general questions about your health such as the following.

This is going to allow you to give the life insurance company all the information they need to underwrite your case and approve you for coverage effectively.

Following this information being provided, you are merely waiting for approval and the final rates that you will need to pay for your coverage.

Always Consider Guaranteed Issue Life Insurance Coverage If Need Be after Gastric Bypass

In some circumstances, your gastric bypass isn’t the only reason you aren’t being approved for coverage. Often, individuals have other lingering health concerns and conditions that can come into play.

If this is the case, you may find yourself being declined for coverage.

When this happens, you need to realize that some life insurance is better than no life insurance and that guaranteed issue coverage is still a completely viable path for you to consider.

A few excellent life insurance companies currently offer this coverage, and it comes with excellent built-in perks into the policy.

If you are over 50 years old, we recommend considering a life insurance company such as American General.

You can read our full AIG Life Insurance Review Here.

They currently offer perhaps the best-guaranteed issue product on the market.

Gerber Life Insurance is also an excellent option for you.

If you are under 50 years old, you won’t be able to qualify for coverage with these companies and will need to lean heavier on companies such as Great Western.

They will begin offering coverage to individuals who can’t be eligible for coverage at the age of 45 instead of 50.

Nonetheless, guaranteed issue is still a great option to choose if you fall into this category and need something to secure for your family.

After you are approved and have this policy in place, we can quickly come back around and try to apply for coverage again in a few months or a year later after your gastric bypass surgery.

It’s not a big deal. Protect your family.

Never Work with A Captive Life Insurance Agent After Gastric Bypass Surgery

In addition to being willing to try other options for your coverage, you also need to realize that companies such as State Farm, Farmers, and Allstate, are not built to handle high-risk life insurance cases like gastric bypass.

You can Read full Farmers Life Insurance Review Here

You Can Read Our Full State Farm Life Insurance Review Here

You Can Read our Full Allstate Life Insurance Review Here

They have strict guidelines and no options available to you if you are declined.

Not to mention, you either pay the price they offer, or you don’t’ get afforded any coverage at all. This is never the way to go.

Always skip captive life insurance agents as an option and stick to someone who can offer you every company on the market or close to it.

50 plus companies as an option is a good starting point.

Yes, You Can Be Approved for Life Insurance After Gastric Bypass

I think we have shown you thus far into this article that it’s 100% possible to be approved for life insurance coverage after gastric bypass surgery.

However, you will never know if you never try.

You need to get out there and start applying with an agent who can truly help you accomplish your goals and get your family protected.

You deserve that, and so does your family.

To get started, simply fill out the form on the right-hand side of the screen if you are on a desktop or at the top if you are on mobile.

Compare rates between 60 of the top-rated life insurance companies and begin putting this process into motion.

What are you waiting for?

FILED UNDER – HIGH RISK LIFE INSURANCE / OBESE & OVERWEIGHT