I am a female don't smoke very healthy play sport 3 times a week
(tennis and power walking ) long lived family (all big people) am
5foot 7 inches and weigh 250 pounds. I'm in my mid forties. Are they
going to knock me back?

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Clarification of Question by divagoss-ga on 07 Mar 2005 20:03 PST

By "they" I mean the Life Insurance company.

No - they won?t knock you back.

I suggest that you investigate all of the insurance companies and
available options in Australia to obtain the ?insurance cover? that
best suits you.


Thanks

CJ

Unless you are really elderly or terminally ill or something insurance
companies won't knock you back completely but the premium you have to
pay depends on factors such as your age, your medical history and the
medical history of your family, any risky habits (such as smoking) and
lots of other factors. They basically figure out how likely you are to
die (meaning that they would have to pay out your policy which  of
course they wouldn't want to do)and then charge you a higher premium
the more risky you are to them. Also the amount they charge you would
depend on how much your insurance policy is for, ie do you want them
to pay out $1000 or $10 000 or $100 000 if you die. I'd suggest
shopping round so you don't get scammed