Your request has been granted.

A BMI loading.

When I applied for my last life assurance policy, I received a BMI loading om my premiums. After reducing my weight, I applied for a re-assessment based on my reduced weight and improved health.

At the time that I took out the policy I had no choice but to go for the loaded premiums and at least get life cover, but my insurance representative advised me that I can apply for a re-assessment if my health and weight improved. He didn’t tell me that he had never experienced that himself in more than thirty years as an insurance advisor.

After I successfully reduced my weight, I contacted him and asked him to have me re-assessed. We filled out the forms and then I realised that I need too have maintained the new weight for at least six months, so we decided to delay my re-assessment for six months.

The re-assessment and a surprised doctor.

When the time came my insurance company offered to pay for the re-assessment, which came as a welcome surprise as I was under the impression that it would be for my own account.

I have been visiting another doctor for the period that I was on my weight loss program, so my doctor who was very concerned about my health during my medical for the first application, didn’t see me until the day that I arrived for the follow-up medical and boy was he surprised. Of course I had an even bigger smile on my face because his face was something to behold. He was truly surprised, but being a very reserved person tried to hide his surprise and that just made it even more funny.

The examination was a quick affair. I ran the treadmill and my heart rate recovery was very brisk.

Then came the good news.

A few weeks later I received the notification that my application to have the loading on my premiums lifted was successful. What surprised me though was by how much my premium dropped. My premium dropped by close to 50% and this is now a permanent monthly saving. I wanted to kick myself for the fact that I paid this hefty premium for the last two years and I realised that I could have bought a very nice bicycle with the difference in premiums if I didn’t have to pay the loaded premiums for that period.

I wasn’t the only person to be surprised however. My insurance advisor had never seen this happen in his entire career. He only knew that it was possible. Needless to say he bought a bicycle and is also exercising on a regular basis now.

The bottom line is that a healthy lifestyle and normal weight is a win-win all the way in more than one way. I am saving money, feeling fantastic, having a good time with new friends and my pain has disappeared. What more can you ask?

My challenge to you.

Start working on your own journey today still. Don’t delay any further, as every day that you delay you are missing out on a fantastic life. Most importantly, I constantly remind myself of the fact that I may never have had the opportunity if I delayed the decision to start this journey. If you allow your health to fail and you end up with a heart attack or stroke, you may never recover sufficiently to harvest the same results. I therefore challenge and urge you to start your journey today still! Just do it! This is the one thing that you will never regret. Browse through my older blogs or contact me so that I can assist you with your own journey to a new healthy and fulfilled life.