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No Medical Life Insurance News

The Six Most Obese Countries

December 18th, 2014 · Life Insurance, No Medical Life Insurance News

obese gut life insurance

Earlier this year, Discovery News named the largest countries in the world – and they weren’t talking about land mass. This hefty breaking story was about the mass of the people living in those countries, and the results were heavy. As of spring 2014, more than 50 per cent of the world’s obese population live in just 10 countries, the top six being:

1. The United States: To the surprise of no one, the US weighs in at number one. The reasons are for these gains are many. The plethora of cheap, processed foods that are readily available, inactive lifestyles and fat as the “new normal” all play a role in this weighty dilemma.

2. China: Obesity is relatively new in China, with only the last generation expanding in numbers that raised concerns. One possible culprit is the rapid rise of cities that have poor planning for walkability and active lifestyles. The correlation between the booming urban sprawl and the sudden obesity epidemic is currently being studied.

3. India: One study points out that while those living at or below the poverty line in America are more likely to be overweight (due to consuming the more affordable unhealthy foods), India is the opposite. Here the poor are underweight while obesity is seen among the affluent.

4. Russia: Russia may not hold onto this number four spot for very long since changes to importing processed foods from America and Europe caused waistlines to shrink dramatically.

5. Brazil: Ironically, Brazil had been working hard to eradicate child hunger. In a job a little too well done, Brazil is now facing an obesity epidemic. What happened? Perhaps Bolsa-Familia is to blame. While introduced to help poor families, the side effect of this cash transfer program saw profit-hungry companies tout their wares door-to-door, bringing affordable soda and other processed foods to the homes; no trips to the supermarket needed. Nestle even went so far as to claim they were “offer[ing] access to nutrition, health and wellbeing to the remote community of the north region” – and proceeded to peddle mostly ice cream, chocolate and yogurt.

6. Mexico: With over 30 per cent of the population obese, Mexico is hoping a soda tax will discourage people from consuming sugary beverages. The average Mexican drinks nearly half a litre of soda a day. The National Institute of Public Health hopes a 10 per cent tax will reduce soda consumption and prevent up to 630,000 cases of diabetes by 2030.

While Canada did not make this list (nor is it ranked in the top 10), Canadian obesity rates are on the rise. “Between 1985 and 2011, the prevalence of adult obesity in Canada increased from 6.1 per cent to 18.3 per cent,” cites this trend analysis. “Taking into account regional variations, we predict that by 2019…. half of the Canadian provinces will have more overweight or obese adults than normal-weight adults.”

most obese countries in world

An unhealthy body weight can lead to many health issues, and there is another problem facing obese Canadians: life insurance.

The unfortunate side effect of excess pounds often includes high blood pressure, diabetes, depression and heart disease. Since preferred rates are given to the healthy individuals, overweight life insurance seekers could find themselves with heavy premiums or even denial of coverage.

The issue in play is that underwriters have to mitigate their risk. If they are insuring an individual that appears unhealthy, they assume that individual is going to cost them money sooner than later. Is this fair? Of course not. There are many times when weight gain has nothing to do with unhealthy eating or lack of exercise. Certain medications, complications from pregnancy and injuries that limit mobility can cause weight gain.

Thankfully, no medical life insurance is gaining traction across Canada, giving people that would traditionally be denied insurance a hassle-free way to obtain a policy. No medical life insurance is just that: it does not require you to be examined by a doctor to get a life insurance policy. If you have a pre-existing condition or are worried that your weight will weigh heavily on your ability to qualify for a good rate, look into no medical insurance.

There are two types of no medical life insurance. Simplified issue policies ask some health-related questions and the benefit is typically around $150,000. Guaranteed issue does not have any questions and the maximum benefit is around $25,000.
Prevention through healthy eating and active living is your best bet in the fight against obesity. Even if your weight gain is due to factors beyond your control, nourishing your body through diet and exercise can keep your risk factors for disease low – and when proved by a doctor that your heart and blood pressure are normal, you have a good chance of qualifying for a preferred rate. For those that do not qualify, or those that simply want to skip the hassle of a medical exam, it’s no medical life insurance to the rescue.

Ebola And Other Disease Outbreaks

December 4th, 2014 · No Medical Life Insurance News


Ebola, a disease that was practically unheard of 40 years ago has become the most frightening disease in human history. New cases are reported daily and vaccine development is progressing at an ‘unprecedented rate’. The outbreak has been ongoing since March 2014 in the West Africa nations as reported by the World Health Organization and has rapidly progressed into a global epidemic.

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Top 7 Dangerous Countries in the World

November 13th, 2014 · Life Insurance, No Medical Life Insurance Tips

Most insurance companies generally ask for an extensive travel questionnaire and underwriting decisions are made based on preferred or standards rates. Some companies will have exclusions for deaths occurred in certain countries and the insured needs to sign off on an amendment form. Some insurance applications may even be declined due to an insureds’ history of high risk travel. Many factors will influence the insurance company’s decision including occupation, frequency and duration of travel, purpose of travel and travel warnings’ advisory posted by the government as well as citizenship.

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Dining on These Foods Could Be Your Last Meal

July 21st, 2014 · Life Insurance, No Medical Life Insurance Companies

When it comes to food, you don't discriminate. You embrace it all, and are practically drooling to try out new foods that have the potential of making your taste buds tingle! What you don't know is that from delicious delicacies to regular groceries, some of them contain toxins which could potentially end you.

You might love them, but the feeling clearly isn't mutual...

Eat at your own risk!

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11 Things You Never Realized Could Affect Your Insurance Application

June 26th, 2014 · Life Insurance, No Medical Life Insurance Companies

Photo by Josh Hallett / CC BY
Having a DUI on your record could
  negatively impact your premiums.

You'd like to consider yourself a life insurance novice. You've done your research and know the primary factors that underwriters consider when determining your premium: your age, health, family health history, tobacco use, occupation, the policy term and amount. So when you confidently send out that application and end up receiving an unfavourable result, just what went wrong?There are so many things that your insurance company will consider when looking at your application (aside from the usual suspects), and it's good practice to be aware of them so you can exercise precaution.

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Lorne Marr Shares 5 Essential No Medical Life Insurance Tips

June 19th, 2014 · No Medical Life Insurance News


When it comes to finding life insurance that fits your needs, it is a matter of knowing where to shop around, knowing what to look for and how to navigate the world of life insurance. Let me, Lorne Marr, help you do this with little fuss and great success by sharing five essential no medical life insurance tips. How do you know I can provide you what you need? I have been in the insurance industry for over 20 years, starting my career with Met Life before founding LSM Insurance in 2004. My goal is to help LSM Insurance become Canada’s top on-line life insurance brokerage.

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8 Reasons Why Your Insurance Claim Will Get Declined

June 16th, 2014 · No Medical Life Insurance News

hazardous activities
Photo by ryanh / CC BY-SA

You buy life insurance for the purpose of making sure that there's something sufficient left for your family in the case that you won't be there. After all, for the monthly premiums you pay, you deserve something out of it.

You can surely die peacefully now, right?

I'd hate to say otherwise, but your family may find that when filing for a claim on your insurance policy, they only end up receiving a portion of the full amount, or even worse ─ nothing.
Based on a number of reasons, from plain dishonesty to a sensitive topic like suicide, you could be denied your claim. In order to ensure that you won't end up in a sticky situation like this, here are 8 reasons your insurer may refuse your claims.

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Top 5 Silent Killers

May 30th, 2014 · Cancer Insurance, Critical Illness Insurance, Disability Insurance, Life Insurance, No Medical Disability Insurance, No Medical Life Insurance Companies

eggs crack
Photo by Bernard Goldbach

You never saw it coming. You're an ordinary, happy-go-lucky soul who juggles life and work and enjoys exercising as much as the other person. You're not scared of those annual health check-ups, in fact, your doctor loves telling you you're good for another year, and you know it! So after spending an evening catching up with friends, you return home feeling happy and sated, stumble into bed, close your eyes... and never wake up again.

You just died in your sleep.

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No Medical Life Insurance in Edmonton, Alberta

May 28th, 2014 · Life Insurance, No Medical Life Insurance Companies, No Medical Life Insurance News, No Medical Life Insurance Tips


Edmonton would be a great place for ground-zero in the Zombie Apocalypse, what with the University of Alberta (cutting edge medical science), two downtown districts, and a slew of LRT lines to transport the living and the undead, it’s a wonder it hasn’t happened yet! But in all seriousness, if it did happen, wouldn’t it be nice to have medical insurance? Well, a zombie may qualify as a hard to insure applicant, but medical coverage is always a plus, right?

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No Medical Life Insurance in Markham, Ontario

May 20th, 2014 · Life Insurance, No Medical Life Insurance Companies

Markham 1

Markham, ON is a popular choice for those wishing to live within the Greater Toronto Area (GTA) without living amongst the mayhem of the city itself. The only drawback to living in a popular commuter community, like Markham, is the commuting. Living in the city has the benefit of convenience, including the convenience of major transit systems like subways. Living outside the city often means lots of highway driving, which translate to lots of risk.

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