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- Despite being healthy, I’m in a higher risk category for life insurance because of my BMI.
- I worked with an insurance broker, and selected less coverage to keep it affordable.
- Now, I wish I had more — but some life insurance is better than none.
A little more than five years ago, I became the primary breadwinner in my household.
I also had a second child. That meant that suddenly, life insurance went from something I knew I should get some day, to something that I needed immediately. If anything were to happen to me, I wanted to know that my husband and daughters would be taken care of.
Still, I had a big concern, quite literally. I’m a plus-sized person, and I knew that could make getting life insurance more difficult or more expensive. I’m extremely privileged to be very healthy, so it’s rare that I have to face the fatphobia in our medical system head-on. But there was no way around it when getting life insurance.
Here’s how I handled the stigma of being a big person, and found a policy that worked for my budget.
I decided to put my emotions aside
I went into purchasing life insurance with my eyes wide open. I know that life insurance companies use weight and height to calculate your body mass index, or BMI. Your BMI affects your premium, despite being a poor and