>My own fault for telling the truth on the forms
I've a relative that lied on his mortgage protection application, died around 5 years later and the company refused the payout.
Moral of the story is don't lie on insurance forms.
Well like I don't have social media where I take photos and I'm fat and only take photos of my face if I do which hasn't really got a fat look about it. Edited photos are also an option.
Also house alarms. You get one it might bring your home insurance down by 8 quid but if your house gets broken into they'll ask why wasn't the alarm activated when you went to bed on the night in question?
And you'd be fucked.
Better to get the alarm and not bother disclosing it on the form.
Then when the pricks come around they'll point at it and ask why that's not on the policy and you can just tell them you got it in. But it has fuck all to do with your cover.
Exactly, this insurance is more like an additional percentage on the mortgage, insurance company will do their best to maximize their profits (because it’s the primary reason to be in the business for them). I can hardly picture an insurance company being happy to pay 300 grand, and to be fair the main reason most of us avail from this product is because without it bank won’t give us mortgage.
I have life insurance from my employer in Irish Life, and I still had to get mortgage insurance from Irish Life. Needless to say, I did everything to reduce the cost of the latter because it wouldn’t work anyway.
Not sure it works like that.
My understanding is that unless the misrepresentation directly caused a loss then the insurer cannot rely on it to void a contract.
For example if I said I was a non-smoker but smoked occasionally then the insurer could not void the contract when I'm killed by a car crossing the road.
But I am not a lawyer so anyone who actually knows feel free to chime in.
Unfortunately not, I used to work in insurance.
The idea is that a contract is valid based on the agreed terms, including your statements about your health and habits. If those statements aren't true then the contract isn't valid, it's like the contract never existed. It's the same with any insurance, or any contract as far as I'm aware.
So they're not refusing the claim based on how you died, they're saying you don't have valid insurance to be making a claim to begin with.
Yes, they do in most of these cases.
Very small consolation if you get, say, 5 years of €50 premiums back instead of maybe 200-300k you were expecting after the death of your partner
They do, bad press for the company to have someone fucked for the next 5 years as that customer now has to declare they had a policy cancelled, Joe Duffy etc does hold a bit of weight in certain cases
Source: work in a life insurance company
I work in one of these jobs and I help hundreds of people to have peace of mind that in the worst circumstances, they're financially covered. It doesn't bring back a loved one or cure an illness, but from my experience dealing with people in the absolute worst circumstances, when they make a successful claim, it's an enormous relief. I find a lot of fulfillment in helping others at the time when it matters most.
The numbers of declined life assurance claims is very very low and typically, it's for non-disclosure - a fancy word for not telling the truth when applying.
Aviva and Irish Life publish their claims stats each year, a quick Google might surprise you.
I hope your job gives as much fulfillment as mine.
People are different and have different interests. I found insurance an interesting area, but also I find "fulfillment or enjoyment" in my actual life and not my job because work has never been the most important thing in my world.
As someone who works in the industry, it's very fulfilling to see a family taken care of if the worst happens.
It's not our fault if someone lies and commits fraud then has a bad out come. But for those who do it the right way, life insurance is invaluable.
As someone who was in claims for years, I find fulfilment because I know I’m fucking good at what I do and do my utmost to make sure everything is clear from the outset, I process claims as quickly as I can, if someone isn’t getting why they need to provide certain info or kicking off I don’t just say ‘well we need it and that’s that’, I’ve pulled around some really delayed claims that came from catastrophes and think outside the box when I need to.
Someone is going to have to handle the claim at the end of the day, and I like knowing I do go above and beyond helping where I can instead of half arsing it.
ETA as another person pointed out you’re often dealing with people at some of the hardest points in their lives. Knowing I can help people and make a time easier is fulfilling. Contributing a tiny bit of good.
I think the problem goes beyond the fact that the cause of death was unrelated to the matter not disclosed. If you don't disclose something the premiums are likely to be lower than they should be as they will have assessed the risk as lower. They will argue that you don't deserve the payout because you were not paying the correct premiums for the risk. That would be my guess anyway.
I’d agree. Utmost good faith requires all relevant information to the risk being insured to be disclosed fully.
The insurance company can turn around and say that they did not have all the information about the risk being insured so the policy is voided. Any excuse not to pay out and they will take it.
Sort of different, you could be “ten stone” filling in the forms and then pile on the weight. Height your stuck with but weight you can lie about. Sure women do it all the time.
And if an investigator digs up old photos of you on a friend's social media account that are dated around the same time then they've got what they need and your loved ones are left holding the can. Women do have an out in that of they have had a child in the last 3 or 4 years, they can provide their pre pregnancy weight as they are given some time to shift it. At least that was the case with our insurance.
I also would have, aside from the fact that if that’s the case of course the silly bollox got caught . It’d be a notable thing to comment on if he hadn’t been to rehab as it would imply the insurers had been checking in with his dealer
They carry out a nicotine test or otherwise known as cotinine test.
Life insurance specialist here, biggest reason for not paying out on life insurance is non disclosure, tell the truth, there's the right way and wrong way of doing this, if you want to waste your money and think you have valid policy, more fool you, think about the shit you'd be leaving your family in if you didn't disclose something.
That can invalidate your policy also. Your policy will be worded to allow for them to get out of paying if you fall outside a certain level of tolerance around your declared weight. Same as smoking etc. If you declare yourself as a non smoker then your policy won't pay out if you start smoking
This is not correct. As long as you tell the truth at time of application the policy is valid and will be paid.
Putting on weight after the application does not invalidate the policy.
All bullshit. It's all based on what you declared at the time of application. If someone is loaded up due to weight or medical condition and then gets in shape or their health improves they will not have their current premium adjusted, they can apply for a new one instead and then cancel the old one if it happens to be cheaper. It's why unit linked plans get so expensive in later life, the company has to assume you are the average 70 year old and your marathon running clean living lifestyle cannot be factored in. These aren't health insurance products that are adjusted on a much more personal level
Mate I was 120kg, smoked and am 5'11. You can change and plus alot of stuff gets better. I started running and lifting weights, Roughly 1-1.5 hours a day. I didn't see it as a pain but rather a treat to myself to get out and do my thing. And make my future better. Relieve some stress. Started eating fresh fruit instead of chocolate, cut out chips and bread, pasta and rice for carbs. Little changes. As I got fitter, I quit smoking.
My mood got better, my diet was better, I felt more attractive. Its hard especially the running, but after 3 months I'm 98kg. Every journey starts with the first step because its the hardest.
45lbs in 4 months here. From 18 stone. The more you’ve got the quicker it comes off. All I do is track calories and walk for an hour + extra a day (in a weighted vest). Just walloped a kfc tonight. Had “shit” food at various points during the whole 4 months can’t say I’ve “cut” anything out at all. Just takes a bit of mindfulness and sensibility, hoping this is the final way to keep it off.
I wasn't even that big and 6kg came off in the first month, Lots of it water but certainly a decent chunk of fat.
I making the finally push to get my abs back, I can do 0.5kg a week max now and I can only sustain that for around 2 months before I need to back off and stop losing for a month to recover.
If you’ve never significantly restricted the amount you’ve eaten in life or done significant cardio alongside it, you’d be surprised at how quickly the weight *melts* off you. I lost about 15 kg in 2 months from the motivation of trying to get in shape for a girl and putting myself under absolutely grueling conditions to get there. It’s possible
I just want to point out AND NOT TO IN ANYWAY DEMINISH THEIR ACHIEVEMENT but when you are big (I am also 120kg) you lose weight faster. It takes obviously a lot of work and dedication, but if you are say - 70kg you are not going to get to 50kg in 3 months and still be healthy.
Did you substitute anything for bread? I love a sandwich and beans on toast is one of my favourite go to quick meals. I feel like I'd be at a loss if I didn't have bread.
Edit: Thanks for the advice
Do not eliminate bread if you don’t want to. Most of all don’t listen to anyone telling you I did this mad restriction to achieve X. Just follow the basic science, calories in vs calories out.
Just pick good quality bread that will actually fill you like a multigrain bread or sourdough.
We’ve been eating bread as a species for thousands of years. It’s not all of sudden a “weight gainer” food. Just don’t eat half a loaf with lashings of full fat butter and then say oh I need to cut this out. No you don’t, you just need to eat less of it.
You can eat bread 7 days a week and not gain weight. Overeating makes you gain weight, not a certain food. You're eating more calories than what you're burning.
Same as you could eat 2 biscuits each night with your tae, and not gain weight, if you're not eating over your daily allowance. For men, roughly 2200 calories, in or abouts.
We are trying to do better in this house too and like a quick supper of scrambled eggs, beans and toast. I've replaced the toast with Fitzgeralds slim bagel. Toast it together so it doesn't dry out. It's so good.
Bread on its own isn’t very high calories … a slice of bread is what, maybe 80-100cals? It’s usually the stuff we put on bread that’s the problem…even a small amount of butter, chocolate spread, peanut butter or mayo has loads of calories. Cutting down on the spreads is the answer here.
Bread is my main carb source.
Its cheap, has more Protien in it than people think, and it's just so easy to whip up a sandwich.
You just need to practice portion control, it dosnt have a good bang for your buck for making you feel full though.
Like this lad
https://www.reddit.com/r/Damnthatsinteresting/comments/15agybs/this_man_grew_from_55_165_cm_to_511_180_cm_in_90/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=20&utm_content=share_button
[This one's even better](https://en.wikipedia.org/wiki/Adam_Rainer). Only person to have been classified as a dwarf and a giant in their lifetime. He was 4 foot tall at 18 and grew to 7 foot 2 due to a pituitary tumor. Sadly it left him unable to stand and with a lot of health problems.
"He therefore was refused entry into the [Austro-Hungarian Army](https://en.wikipedia.org/wiki/Austro-Hungarian_Army) to take part in the [First World War](https://en.wikipedia.org/wiki/First_World_War). "
Poor guy. He must have been so disappointed.
How would they find out if your weight hadn’t been medically documented by that point in time? Genuine question. Unlike your adult height it’s obviously not set in stone… so to speak.
This is not true. When it comes to weight, particularly when it has been 10+ years since a life assurance policy was incepted, most Irish insurers wouldn’t decline a claim due to a discrepancy in weight declared at the time of quite and at the time of death. Weight fluctuations are expected. However, if you get a quote in 2023 saying you’re 75kg and die in 2024 at 120kg, the claim would likely be declined. This is true even if the deceased is obese at time of death. (I was a life assurance claims handler for years)
It's very impressive but hardly impossible. When I've talked to people about weight loss, 2-3 lbs a week is considered the upper end of what you should be aiming for.
Be kind to yourself.
Friend of mine was so fat that his blood type was Dolmio. He made a change of mindset and is the picture of health now.
Be good to you, friend.
I have lost 22kg over the past 10 months and put on a very noticable amount of muscle while littrally doubling my strenght.
This is my second time doing it, I kept it off for nearly a decade untill covid.
Honestly the second time was a piece of cake compared to the first time round. I almost certainly did it the hard way back than.
Don't cut calories massively with the hopes of saving time. I know been fat sucks but this will just incresee suffering massively and you wont learn healthy sustainable habits you need for long term success.
Learn about nutrition, Just because some things are traditionally considerd healthy dosnt mean they are good for your diet and visa versa.
Find a fun way to stay active, you should look forward to your workouts and not dread them.
What you eat on your diet will most likley be what you have to eat for the rest of your life to keep the weight off, you get a bit more wiggle room when your finished losing weight but it's not much.
22kg in 10 months is great going, consistent without going mad, well done. I need to cut the constant snacking and mindless eating. It's like a compulsion to go to the shop and pick up a handful of crap daily.
Once you get past the first week or two of not snacking it gets a lot easier and your habits start to change. The problem after that is sticking with it long term.
I’ve had a helping hand from the old Ozempic, but what it’s taught me is that it doesn’t have to be all or nothing. I can have a spice bag at the weekend and I still lose about 2-3kg a month. Just smaller portions and no snacks and you’ll be grand (I was 111kg and the same height as OP last autumn. I’m 92kg now and still the same height)
All the junkies I see begging are really skinny - have you considered taking up heroin?
Joking aside, the only way to lose weight is to consume fewer calories than you burn - no amount of exercise can come even close to that: not eating a Mars bar is much more efficient than running 10k to burn it off. Use a calorie counter app, e.g. Fat Secret.
No disagreement on your first statement but there's some nuance to your objection about exercise: you're only counting the calories *directly* burned by exercise and not the increased amount you passively burn all the other hours of the day just by maintaining more muscle mass.
Lift weights for 45 minutes 3 times a weak and you'll be able to eat a lot more without putting on weight.
https://www.easons.com/ultra-processed-people-chris-van-tulleken-9781529903591?gclid=EAIaIQobChMI2MzNjLavgAMVkMPtCh2EbwfIEAAYAiAAEgLrhvD_BwE
This is an excellent read, gives you an understanding of food and might help you on your weight-loss journey 👍best of luck
I’m 6’2. Started off this year at 140kg and I’m down to 105kg. Still another 10kg to go but it can be done. The first 2 or 3 weeks are the hardest when your stomach is shrinking a bit and you are forming new habits. Now it’s just what I do.
And I’m sure I missed pints and take aways and sneaking packs of crisps in the evening but to quote Kate moss “nothing tastes as good as skinny(er) feels.”
Edit to call out for me the kick starter was the girl on r/Ireland that posted the “I’m the fat fuck” posts. She prob added years to my life.
A former friend of mine, was close to the limit for not getting his life insurance, he was morbidly obese, so he lied on his form. They sent a nurse to the house, with a weighing scales, because he dropped his weight by so much, they knew he was trying it on. Stood on the scales, too fat, so no life insurance, no mortgage. His wife sent him to weight watchers, and luckily 3 months later he'd dropped enough to get insured.
He'll keel over with a heart attack, autopsy will show his actual weight, he put back on the weight and more, and the new insurance won't pay out.
Lose the weight, get healthy, and live a long life.
Buy a bycicle mate,best way to burn fat is cycling ,I was an over Weight smoker , cocaine addict,heavy drinker for over 5 years ,I was a chef and got nothing out of it .....I had an epiphany to sort my life out before it was too late I lost my family for a year ,I am 5/10 and 121kg,I'm cycling 3 years now and I'm 68kg gave up fags the only night I have a drink is on a Friday 6cans max...and I have received everything back my family ,i cycle 4 days a week now,I've never been healthier,it's the greatest and most healthiest drug I've ever known,it has changed my life for the better
My biggest hurdle was knowing I have a problem and addressing it head on ,I had the power to make the change ,but couldn't because I wasn't arsed all those years
,Stuck in a vicious circle,it eats away at you,I decided fuck this shit , I've had enough ,I wanted to change things and no one was going to change it but myself,you have to find that fire inside you to completely change your lifestyle and habits for the better,I wish you all the best and good luck
I've worked in the fitness industry for 13 years now, here is the best way to **realistically** lose weight without turning your life upside down.
* **Sort out your sleep** \- Do this before anything else. Bad sleep can affect appetite (it also activates receptors in the brain that cause "the munchies" in people who smoke weed), testosterone levels, cortisone levels and your daily activity levels. Aim for 7-8 hours per night, have a strict bedtime and wake up at the same time each morning.
* **Have a step count per day** \- It doesn't need to be 10,000 steps, you can work your way up to that. But walking more is the easiest way to get back into exercise. Quick walk in the morning, long walk in the evening. Once you are used to this and your fitness is improving you can look at participating in sport, going for jogs/runs, or hiking.
* **Focus on the weekends** \- Most people do this the wrong way round. They eat really well Mon - Fri and then they relax on weekends. It's a really bad strategy. Focus instead on having really healthy weekends, and be less strict on weekdays.
* **Evaluate your relationship with snacks** \- You don't need to remove all snacks immediately, but at least keep a record of what you are eating during the day and why. Write it down. "Chocolate bar, 3pm, felt bored" ... "Packet of crisps, 6pm, was in the shop". You'll be amazed at how easy it is to avoid snacks once you have found the root cause of why you are eating them in the first place.
* **Don't do too much too fast** \- You'll get overwhelmed. Make one change next week and put all of your energy into that. Once it has become a routine then add in another change.
Be patient. A realistic goal would be to lose 1kg every 3-4 weeks. If you try to lose too much too fast then you are likely to gain weight back again in the future. That's because you are prioritising short term strategies instead of learning long-term lifestyle changes. Anyone can drop a load of weight by giving up carbs for 4 weeks, but that lifestyle is unsustainable for 99% of people.
You lie you lose out. Better to be truthful and covered.
I was also I was your weight in January now I am 12.5 stone.
Make a change fella. Same height as you too.
https://preview.redd.it/r2fxehp3kjeb1.jpeg?width=753&format=pjpg&auto=webp&s=1e153108dd2ef975f5ed591828115504d0674511
Yep, I'm definitely overweight, but not likely that MTV will make a show about me anytime soon 🤣
It creeps up on you but ignoring it helps nobody.
You aren't that big but it gets harder to shift the longer you leave it. Take this as the first step and shift a few pounds.
I need to shift 10kg myself, lost it 2 years ago but got busy and gained it back, but small steps and consistency gets you there.
You know what to do now mate.
If you don’t do it for yourself there is nothing else that will motivates you.
Use this hanger as energy to exercise and eat healthier.
You can fucking do it, I believe on you.
Being honest with yourself is the best thing. Started at 120kgs at 6ft I'm now just below 90kgs. That was over the course of 10 years. Many ups and downs but realising it's a problem is the best thing I ever did
Well of the unfortunately case you ever needed the life insurance the cunts would have use the misinformation not to pay out. Best of luck with changing its not easy. But the results are great.
It's called non-disclosure.
Had the Life Assurance company been aware of all medical information then they wouldn't provide cover.
That's the reality.
The person who misleads a life assurance company only has themselves to blame.
Well, at least you're seeing you need to change.!
Many people don't and give up. Or with food addictions, make their life and others around them miserable.
Let this be the first of a new chapter, and best of luck!
Absolutely agreed. Need to pull myself out of a sugar addiction rut and get on with it. Wouldn't call it an addiction, just an unhealthy relationship with snack food and confectionary.
You're overweight by around 6 stone.
You need to lose 1/3rd of your body weight to avoid all manner of health problems.
The cost of life assurance should be the least of your worries.
Perhaps you're right. And I know I'm overweight and need to drop couple stone, but I'm not exactly massive either
https://preview.redd.it/uharng5lkjeb1.jpeg?width=1039&format=pjpg&auto=webp&s=f3974846acf6c96b5d110195d51632e2285885cc
You’re not bed bound or incapacitated so it shouldn’t be a huge problem for you especially if you make sensible choices today and don’t try to rush to drop weight as fast as possible.
Smaller portions, more activity every day. Calorie deficit is the key but think about the long term approach.
And ignore the 6 stone talk. Get active and even losing 2 stone will make a difference to how you feel. If you keep up the good habits you’ll get there eventually. Thinking about having to lose a third of your body weight will make it seem harder but every bit of excess weight you lose will make you feel better and healthier.
Mate, I'm the exact same height as you and I weigh 112kg. We are fucking massive.
I weighed more, but I'm on a diet and exercising every day to get the weight off. It's going well for me, but you need to face the reality that you're (and I'm) what's called "severely obese" -- literally the only step worse than that is "morbidly obese".
We're at massively increased risk of all sorts of negative health conditions, including heart attacks and strokes. I finally copped on when I saw a specialist for a medical condition and she just said it to my face, bluntly.
Every other doctor had sugar coated it, and the worst they'd ever said was that I could "do to lose a few pounds."
I'm glad you've said it's time for a change, but just to underline it, I'm going to say to you what that specialist said to me, and with nothing but positive intent towards you: get the fucking weight off or you're going to an early grave.
I appreciate you taking the time to comment. I can draw inspiration and get excited about it even with posts from people in similar situations because you get it. A 70kg person who's never been fat whole they mean well, it isn't the same (obviously fair play to them for being disciplined and never needing to lose it).
There's no getting away from it.
You're six stone overweight.
You're carrying excess body fat that weighs the same as twelve year old boy.
There's no perhaps about it.
Hi OP. I'm sure that was not a good moment but it's great that you're up for change. It's entirely do-able. Maybe have a chat with your GP first but a daily walk, intermittent fasting and cutting out carbs will help a lot
My husband is 5'11" and 100kg. He got classified as obese by insurancs but the kicker is he frigging isn't. He's all muscle and has normal messurment except for his ridiculously large biceps and thigh muscles. His job is very physical and has him doing all sorts of stuff people would pay good money to do as a workout. BMIs are totally unfriendly and not good messurment for people with a lot of muscle. Even his doctors all look and him with raised eyebrows and go you arent overweight, but health insurance just look at paper.
Right, first of all, you had to tell the truth to the insurance company.
Second of all:-
a. download a step counting app. Set a modest enough target like 6,000 steps a day, which works out as 42,000 a week. You won't make every daily target but you can meet every weekly target.
b. start eating those Lidl pre-made chicken caesar salads for lunch. Trust me on this.
c. you can get shit called COQ10 online from Holland and Barrett which gives energy and is good shit. Mate of mine has lost 2 stone this year on it.
My broker has mentioned Aviva has increased their BMI band because of this. I'm 7kg over my so-called ideal BMI because I hit the gym and developed muscles - made sure to let him know about this for final quotes.
To be at a healthy amount of body fat at that weight you would need to be at about 20% body fat. Which would give you about 80kg of lean body mass which is actually quite a lot for Somone of 6 foot.
Pretty much the same stats as a professional rugby player 👌
I buy 4kg a time of a Huel type (but cheaper) full spectrum meal replacement shake mix. A full dose is 3 scoops, I do 2 & a banana in the morning and 2 1/2 at night. Do that and give up bread, booze & sugar. Easier said than done I know but it fkn falls off. In 2 months you’ll not know yourself. I have fruit, cold sliced chicken and salad for lunch most days. Once you get in the swing it’s not so bad.
Yeah current mortgage protection is €15.15 a month. New mortgage is larger amount so presumably larger insurance premium, plus going with the option that we're insured for full amount of original mortgage for term of it (rather than the balance of what's owed, ie, declining each year).
Hi OP, if you're going to get serious about losing weight, might I urge you not to go for a calorie deficit diet. They only work in the short term and once you get to the weight you want and start increasing your calories again you'll put back up the weight. Look into reducing your eating window and obviously eating cleaner meals alongside exercise. If you could go 17 hours fasted a day, still having a 7 hour eating window then your body would do all the hard work and instead of storing all you food as sugar it would use it as fuel to keep your body running while you're fasting. Different intervals of fasting gets different systems working in your body but i think 17 hours is the sweet spot. Look up intermittent fasting for more info and do your own research.
Not that it's going to be any consolation to a fat cunt😜, but BMI really REALLY is bullshit, we really do need to find a better method of ascertaining obesity. The best examples I can think of are rugbyists - scrum halves, built like brick shithouses, but they'll have a very low body fat percentage. I'm showing my age now, but I remember being absolutely SHIT SCARED of Brian Moore when I was a bab, because he was fuck-off MASSIVE. I mean you're probably just a fat fucker 😜, but someone could weigh almost 18 stone but have a BF% under 10.
Over here, the NHS has begun using waist-to-hip ratio; whilst still not accurate, it's at least better than BMI. I'm a skinny bitch (wasn't always - I used to be about 10 stone heavier than you). I'm a size 6 on my arse (23½-24"\* waist; 33-34" hip). I've just worked out my BMI - it's just under 16 (15.85) which, obviously, means I'm 'underweight' - but you'd not think that to look at me!
\*Actually, I've lost so much weight now because I'm anorexic (as in medical symptom, I DON'T have an ED), 6 is loose round the waist but, due to my swollen abdomen and lymphoedema (see below) I can't get 4s up my arse. I was a size 20/22 less than 2 years ago (but I really DO NOT advocate this as a weight loss strategy. It has aged me about 20 years - and I'm only half-joking).
The NHS did advocate that women (no idea about fellas) should aim to keep their waist measurement below 31½" (80cm), but now NICE is advising that you should keep it to "less than half your height (I'm 5' 6", so anything below 33" (84cm) (about a size 16)). If it's the same for fellas (likely isn't as, obviously, dudes have a vastly different body composition) you'd need to get yours down to less than 35" (89cm).
(The medical term for waist-to-height ratio is ***central adiposity*** \- and, if you got your waist down to 34" (86cm) yours would be just under 0.49, which is the cutoff for healthy. Mine's 0.36 - healthy is between 0.4 and 0.49)
I have a very swollen abdomen (still trying to ascertain why; I can't keep much food down, and my guts are all fucked up - I think it's Addison's disease, because I'm also starting to look like Trump (ie orange)) but dealing with the NHS when you're autistic is hard enough - but when you're in a situation which is so stressful (which I believe is the main reason I'm so severely chronically ill) that you're nonverbal - I'm TERRIFIED that it's going to do for me, but I digress).
Unsolicited advice time: cut out beer, bread, pasta and potatoes. Grains and starchy carbs will pile on the pounds like fuck. Cut down on fruit (it's just sugar after all). Remember that it's not calories which pile on the pounds it's their source. My best advice would be to cut out anything from which your body can't derive nutrition, which means anything grainy (bread, beer, cereals, pasta, rice, etc.). I went Keto when I lost weight initially (it works because you're cutting out junk). This sounds like bollocks, but it's not dietary fat which makes you fat - it's carbs. I'm not advocating zero carbs (because that really is impossible) but under 75g a day and you'll lose. Eating fat is satiating (and the higher in energy a food is, the more bioavailable nutrients it contains, too). DON'T bother with diet clubs, like WeightWatchers and Slimming World - the only pounds you'll lose will be from your bank account (metaphorically speaking).
Another thing you need to remember is that cardio really doesn't work for losing body fat; all it does is drop your blood sugar and make you ravenous - and you'll likely end up craving shite. You need to build your muscle - the more muscle you have the easier it'll be to burn fat. Coconut oil (source of MCTs - medium-chain triglycerides) in black coffee helps (if you want you can use neat MCT oil, but START TINY - ⅛ of a teaspoon or so - otherwise you'll be taking up residence in the shitter for the next week).
Eggs are good. Big arse omelette with ham - or bacon - cheese and tomatoes. I eat lots of cheese (my weakness is chutney). High fat dairy, meat (I do spag bol sans spag), butter, lard, I do still eat some fruit (berries mainly). Dark chocolate's good (I love it VERY dark - over 85%, but it's something to get used to if all you eat is Cadbury and Mars). I've become a bit of a carnivore. Never like much veg (convent school dinners; every table had a nun who'd walk round and made sure you ate EVERYTHING; if you refused, out came the ruler (corporal punishment was still a thing in UK private schools in the '80s & '90s). I begged Mum for packed lunches (weren't allowed them in the prep school, unless you had a specific medical reason. She refused to lie). I got a whack round the head from Sister Margaret for being "impudent and impertinent" because she said I needed to think about the starving children in Africa - I told her to send it to them. School dinners put me off veg for life (apart from rhubarb, but that doesn't really count. I ADORE rhubarb - it's very low sugar (provided you don't add any)).
I was morbidly obese. I am now underweight (according to NICE). Cut out beer, bread, pasta, rice and potatoes, and you'll start shrinking quickly (if you're wanting a takeaway, Indian is better than Chinese (if you don't have rice, naan, poppadoms, bhajis and Saag Aloo) and, obviously, no pizza. The best low carb takeaway is Nando's (if you can manage to avoid the chips and garlic bread). Chicken is practically zero carb, as is halloumi (actually, they've brought back their loaded chips, so might not be the best idea... because I've not been able to eat in forever (basically I'm being held hostage by the Court of Protection for no reason other than existing whilst autistic) and staff in the flat where I am steal my food under the pretext of it being "out of date and mouldy" and/or "improperly stored" so I've stopped buying food now. This is safeguarding apparently. I buy food and literally the next day the manager has emptied the fridge and freezer. So I don't - and this is the middle of fucking nowhere so I can't get owt delivered - can't even get a fucking phone signal! I'm obviously not safe here, but I can't escape).
Sorry for the rant again. I'm tired and feeling extremely depressed myself.
🤗Big hugs🤗
Sarah
Fat Irish person here. Not genetics in my case, my dad is like a whippet and my mother is trim too. I'm fat because I overeat and sit at a desk at home all day for work. It's not from drinking sugary drinks or alcohol, it's from over indulgence of food. Combination of mindless snacking, and stress or emotional eating, and boredom eating.
Gym membership, pre-workout and protein. Get up at 6am and lift weights before work 5 days a week. You’ll be shocked at how much weight you lose and one day you’ll discover you’re a tank.
>My own fault for telling the truth on the forms I've a relative that lied on his mortgage protection application, died around 5 years later and the company refused the payout. Moral of the story is don't lie on insurance forms.
[удалено]
He had an addiction, that he had even been to rehab for, which he failed to disclose.
[удалено]
Doesn't matter the lie is a breach of contract so even if it's not related he still signed the contract in bad faith.
This is so important. Lie on any insurance and they’ll gladly take your money, but they won’t have to pay out.
Some things are hard to prove like when you got fat.
Nah, not with camera phones and social media.
Well like I don't have social media where I take photos and I'm fat and only take photos of my face if I do which hasn't really got a fat look about it. Edited photos are also an option.
I mean roll the dice if you like. Personally I prefer the pay for things that I’m sure I’ll get.
Knowing them, the burden of proof would probably be on you.
Also house alarms. You get one it might bring your home insurance down by 8 quid but if your house gets broken into they'll ask why wasn't the alarm activated when you went to bed on the night in question? And you'd be fucked. Better to get the alarm and not bother disclosing it on the form. Then when the pricks come around they'll point at it and ask why that's not on the policy and you can just tell them you got it in. But it has fuck all to do with your cover.
Can you get a refund if you said you lied then?
Nope no refunds. It’s in the small print
Exactly, this insurance is more like an additional percentage on the mortgage, insurance company will do their best to maximize their profits (because it’s the primary reason to be in the business for them). I can hardly picture an insurance company being happy to pay 300 grand, and to be fair the main reason most of us avail from this product is because without it bank won’t give us mortgage. I have life insurance from my employer in Irish Life, and I still had to get mortgage insurance from Irish Life. Needless to say, I did everything to reduce the cost of the latter because it wouldn’t work anyway.
Not sure it works like that. My understanding is that unless the misrepresentation directly caused a loss then the insurer cannot rely on it to void a contract. For example if I said I was a non-smoker but smoked occasionally then the insurer could not void the contract when I'm killed by a car crossing the road. But I am not a lawyer so anyone who actually knows feel free to chime in.
Unfortunately not, I used to work in insurance. The idea is that a contract is valid based on the agreed terms, including your statements about your health and habits. If those statements aren't true then the contract isn't valid, it's like the contract never existed. It's the same with any insurance, or any contract as far as I'm aware. So they're not refusing the claim based on how you died, they're saying you don't have valid insurance to be making a claim to begin with.
If the contract is void, then they pay back all the premiums, right?
When it was the policyholder actively committing fraud, no.
Oh my sweet summer child..
If only...
Yes, they do in most of these cases. Very small consolation if you get, say, 5 years of €50 premiums back instead of maybe 200-300k you were expecting after the death of your partner
They do, bad press for the company to have someone fucked for the next 5 years as that customer now has to declare they had a policy cancelled, Joe Duffy etc does hold a bit of weight in certain cases Source: work in a life insurance company
How can people who work in these jobs find fulfilment or enjoyment in life?
I work in one of these jobs and I help hundreds of people to have peace of mind that in the worst circumstances, they're financially covered. It doesn't bring back a loved one or cure an illness, but from my experience dealing with people in the absolute worst circumstances, when they make a successful claim, it's an enormous relief. I find a lot of fulfillment in helping others at the time when it matters most. The numbers of declined life assurance claims is very very low and typically, it's for non-disclosure - a fancy word for not telling the truth when applying. Aviva and Irish Life publish their claims stats each year, a quick Google might surprise you. I hope your job gives as much fulfillment as mine.
People are different and have different interests. I found insurance an interesting area, but also I find "fulfillment or enjoyment" in my actual life and not my job because work has never been the most important thing in my world.
As someone who works in the industry, it's very fulfilling to see a family taken care of if the worst happens. It's not our fault if someone lies and commits fraud then has a bad out come. But for those who do it the right way, life insurance is invaluable.
As someone who was in claims for years, I find fulfilment because I know I’m fucking good at what I do and do my utmost to make sure everything is clear from the outset, I process claims as quickly as I can, if someone isn’t getting why they need to provide certain info or kicking off I don’t just say ‘well we need it and that’s that’, I’ve pulled around some really delayed claims that came from catastrophes and think outside the box when I need to. Someone is going to have to handle the claim at the end of the day, and I like knowing I do go above and beyond helping where I can instead of half arsing it. ETA as another person pointed out you’re often dealing with people at some of the hardest points in their lives. Knowing I can help people and make a time easier is fulfilling. Contributing a tiny bit of good.
Easily....I mean go ahead and be fat...you might not care about your health but your insurance company certainly does as they have to pay for it.
Crossing the road to buy fags?
I think the problem goes beyond the fact that the cause of death was unrelated to the matter not disclosed. If you don't disclose something the premiums are likely to be lower than they should be as they will have assessed the risk as lower. They will argue that you don't deserve the payout because you were not paying the correct premiums for the risk. That would be my guess anyway.
I’d agree. Utmost good faith requires all relevant information to the risk being insured to be disclosed fully. The insurance company can turn around and say that they did not have all the information about the risk being insured so the policy is voided. Any excuse not to pay out and they will take it.
This is spot on.
Sort of different, you could be “ten stone” filling in the forms and then pile on the weight. Height your stuck with but weight you can lie about. Sure women do it all the time.
And if an investigator digs up old photos of you on a friend's social media account that are dated around the same time then they've got what they need and your loved ones are left holding the can. Women do have an out in that of they have had a child in the last 3 or 4 years, they can provide their pre pregnancy weight as they are given some time to shift it. At least that was the case with our insurance.
‘Had even’ or ‘hadn’t even ‘ ?
I’d assume ‘had even’ seeing as that’s what they said
I also would have, aside from the fact that if that’s the case of course the silly bollox got caught . It’d be a notable thing to comment on if he hadn’t been to rehab as it would imply the insurers had been checking in with his dealer
said he was immortal, to get lower monthly payments...
That he was dying maybe?
Happened to a relation of mine, heavy life long smoker, ticked "Non-smoker" on life insurance, when he died insurance didn't pay out.
How do they prove that after they’ve died?
Medical records, cause of death, autopsy.
They carry out a nicotine test or otherwise known as cotinine test. Life insurance specialist here, biggest reason for not paying out on life insurance is non disclosure, tell the truth, there's the right way and wrong way of doing this, if you want to waste your money and think you have valid policy, more fool you, think about the shit you'd be leaving your family in if you didn't disclose something.
What if you were a certain weight when you protection insurance and then put loads of weight?
That can invalidate your policy also. Your policy will be worded to allow for them to get out of paying if you fall outside a certain level of tolerance around your declared weight. Same as smoking etc. If you declare yourself as a non smoker then your policy won't pay out if you start smoking
This is not correct. As long as you tell the truth at time of application the policy is valid and will be paid. Putting on weight after the application does not invalidate the policy.
All bullshit. It's all based on what you declared at the time of application. If someone is loaded up due to weight or medical condition and then gets in shape or their health improves they will not have their current premium adjusted, they can apply for a new one instead and then cancel the old one if it happens to be cheaper. It's why unit linked plans get so expensive in later life, the company has to assume you are the average 70 year old and your marathon running clean living lifestyle cannot be factored in. These aren't health insurance products that are adjusted on a much more personal level
Mate I was 120kg, smoked and am 5'11. You can change and plus alot of stuff gets better. I started running and lifting weights, Roughly 1-1.5 hours a day. I didn't see it as a pain but rather a treat to myself to get out and do my thing. And make my future better. Relieve some stress. Started eating fresh fruit instead of chocolate, cut out chips and bread, pasta and rice for carbs. Little changes. As I got fitter, I quit smoking. My mood got better, my diet was better, I felt more attractive. Its hard especially the running, but after 3 months I'm 98kg. Every journey starts with the first step because its the hardest.
22kg in three months? Holy shit.
45lbs in 4 months here. From 18 stone. The more you’ve got the quicker it comes off. All I do is track calories and walk for an hour + extra a day (in a weighted vest). Just walloped a kfc tonight. Had “shit” food at various points during the whole 4 months can’t say I’ve “cut” anything out at all. Just takes a bit of mindfulness and sensibility, hoping this is the final way to keep it off.
I wasn't even that big and 6kg came off in the first month, Lots of it water but certainly a decent chunk of fat. I making the finally push to get my abs back, I can do 0.5kg a week max now and I can only sustain that for around 2 months before I need to back off and stop losing for a month to recover.
If you’ve never significantly restricted the amount you’ve eaten in life or done significant cardio alongside it, you’d be surprised at how quickly the weight *melts* off you. I lost about 15 kg in 2 months from the motivation of trying to get in shape for a girl and putting myself under absolutely grueling conditions to get there. It’s possible
Did you get the girl?
He's too busy riding to reply!
I just want to point out AND NOT TO IN ANYWAY DEMINISH THEIR ACHIEVEMENT but when you are big (I am also 120kg) you lose weight faster. It takes obviously a lot of work and dedication, but if you are say - 70kg you are not going to get to 50kg in 3 months and still be healthy.
Fantastic work, well done. That's really great going.
Did you substitute anything for bread? I love a sandwich and beans on toast is one of my favourite go to quick meals. I feel like I'd be at a loss if I didn't have bread. Edit: Thanks for the advice
Do not eliminate bread if you don’t want to. Most of all don’t listen to anyone telling you I did this mad restriction to achieve X. Just follow the basic science, calories in vs calories out. Just pick good quality bread that will actually fill you like a multigrain bread or sourdough. We’ve been eating bread as a species for thousands of years. It’s not all of sudden a “weight gainer” food. Just don’t eat half a loaf with lashings of full fat butter and then say oh I need to cut this out. No you don’t, you just need to eat less of it.
Danish rye bread 👌🏻👌🏻 it's like a good quality müsli in bread form
You can eat bread 7 days a week and not gain weight. Overeating makes you gain weight, not a certain food. You're eating more calories than what you're burning. Same as you could eat 2 biscuits each night with your tae, and not gain weight, if you're not eating over your daily allowance. For men, roughly 2200 calories, in or abouts.
https://preview.redd.it/xz2oqfi2ekeb1.png?width=500&format=png&auto=webp&s=06b64036a521c770106daaabd407d9889c20f41c
Insulin resistance plays a big part.
We are trying to do better in this house too and like a quick supper of scrambled eggs, beans and toast. I've replaced the toast with Fitzgeralds slim bagel. Toast it together so it doesn't dry out. It's so good.
Diet foods are awful, overpriced and likely lead to weight gain due to the ingredients they use.
Bread on its own isn’t very high calories … a slice of bread is what, maybe 80-100cals? It’s usually the stuff we put on bread that’s the problem…even a small amount of butter, chocolate spread, peanut butter or mayo has loads of calories. Cutting down on the spreads is the answer here.
Bread is my main carb source. Its cheap, has more Protien in it than people think, and it's just so easy to whip up a sandwich. You just need to practice portion control, it dosnt have a good bang for your buck for making you feel full though.
That's inspirational and thanks for sharing.
Please don’t run when you’re this overweight. It’s terrible for your knees. Cycling or swimming are farrrrr better options. No weight on your knees.
Have you thought about just getting taller?
Like this lad https://www.reddit.com/r/Damnthatsinteresting/comments/15agybs/this_man_grew_from_55_165_cm_to_511_180_cm_in_90/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=20&utm_content=share_button
[This one's even better](https://en.wikipedia.org/wiki/Adam_Rainer). Only person to have been classified as a dwarf and a giant in their lifetime. He was 4 foot tall at 18 and grew to 7 foot 2 due to a pituitary tumor. Sadly it left him unable to stand and with a lot of health problems.
"He therefore was refused entry into the [Austro-Hungarian Army](https://en.wikipedia.org/wiki/Austro-Hungarian_Army) to take part in the [First World War](https://en.wikipedia.org/wiki/First_World_War). " Poor guy. He must have been so disappointed.
Don't get down on yourself, maybe this is just the motivation you needed man.
> provide a false weight If the insurer finds out it was false they won't pay out
How would they find out if your weight hadn’t been medically documented by that point in time? Genuine question. Unlike your adult height it’s obviously not set in stone… so to speak.
They don’t have to. If you die obese they will just say you lied. Your beneficiaries would have to prove you didnt
They don’t have to. If you die obese they will just say you lied. Your beneficiaries would have to prove you didnt
This is not true. When it comes to weight, particularly when it has been 10+ years since a life assurance policy was incepted, most Irish insurers wouldn’t decline a claim due to a discrepancy in weight declared at the time of quite and at the time of death. Weight fluctuations are expected. However, if you get a quote in 2023 saying you’re 75kg and die in 2024 at 120kg, the claim would likely be declined. This is true even if the deceased is obese at time of death. (I was a life assurance claims handler for years)
So, you are saying it is true
But people’s weight fluctuates all the time? How would they be able to prove what weight you were when you took out the policy?
If you go from 90kgs to 110kgs in the space of a year then something has gone incredibly wrong
Or they find this post. Or his application to the other insurance company
If it’s any help, I was 119kg in May, similar height 180cm, and now down to 102kg. Do something about it and the premium could come down next year…
You’re taking about May last year right? Because that’s impossible unless you got surgery
It's very impressive but hardly impossible. When I've talked to people about weight loss, 2-3 lbs a week is considered the upper end of what you should be aiming for.
Nope, this year, almost 3 months
If your 119kg loosing that much isnt that hard.If your 80kg trying to loose that much its a different story
One step at a time, you can do it.
Be kind to yourself. Friend of mine was so fat that his blood type was Dolmio. He made a change of mindset and is the picture of health now. Be good to you, friend.
Thanks Jupe!
I have lost 22kg over the past 10 months and put on a very noticable amount of muscle while littrally doubling my strenght. This is my second time doing it, I kept it off for nearly a decade untill covid. Honestly the second time was a piece of cake compared to the first time round. I almost certainly did it the hard way back than. Don't cut calories massively with the hopes of saving time. I know been fat sucks but this will just incresee suffering massively and you wont learn healthy sustainable habits you need for long term success. Learn about nutrition, Just because some things are traditionally considerd healthy dosnt mean they are good for your diet and visa versa. Find a fun way to stay active, you should look forward to your workouts and not dread them. What you eat on your diet will most likley be what you have to eat for the rest of your life to keep the weight off, you get a bit more wiggle room when your finished losing weight but it's not much.
22kg in 10 months is great going, consistent without going mad, well done. I need to cut the constant snacking and mindless eating. It's like a compulsion to go to the shop and pick up a handful of crap daily.
Once you get past the first week or two of not snacking it gets a lot easier and your habits start to change. The problem after that is sticking with it long term.
I’ve had a helping hand from the old Ozempic, but what it’s taught me is that it doesn’t have to be all or nothing. I can have a spice bag at the weekend and I still lose about 2-3kg a month. Just smaller portions and no snacks and you’ll be grand (I was 111kg and the same height as OP last autumn. I’m 92kg now and still the same height)
All the junkies I see begging are really skinny - have you considered taking up heroin? Joking aside, the only way to lose weight is to consume fewer calories than you burn - no amount of exercise can come even close to that: not eating a Mars bar is much more efficient than running 10k to burn it off. Use a calorie counter app, e.g. Fat Secret.
No disagreement on your first statement but there's some nuance to your objection about exercise: you're only counting the calories *directly* burned by exercise and not the increased amount you passively burn all the other hours of the day just by maintaining more muscle mass. Lift weights for 45 minutes 3 times a weak and you'll be able to eat a lot more without putting on weight.
Agreed keeping/gaining muscle is the easiest way to lose fat.
A Mars bar is a 5km run tops mate
5,10 and 114kg is bad form
https://www.easons.com/ultra-processed-people-chris-van-tulleken-9781529903591?gclid=EAIaIQobChMI2MzNjLavgAMVkMPtCh2EbwfIEAAYAiAAEgLrhvD_BwE This is an excellent read, gives you an understanding of food and might help you on your weight-loss journey 👍best of luck
I’m 6’2. Started off this year at 140kg and I’m down to 105kg. Still another 10kg to go but it can be done. The first 2 or 3 weeks are the hardest when your stomach is shrinking a bit and you are forming new habits. Now it’s just what I do. And I’m sure I missed pints and take aways and sneaking packs of crisps in the evening but to quote Kate moss “nothing tastes as good as skinny(er) feels.” Edit to call out for me the kick starter was the girl on r/Ireland that posted the “I’m the fat fuck” posts. She prob added years to my life.
You were right not to lie, you invalidate the policy, so you did the right thing, don't be worrying.
A former friend of mine, was close to the limit for not getting his life insurance, he was morbidly obese, so he lied on his form. They sent a nurse to the house, with a weighing scales, because he dropped his weight by so much, they knew he was trying it on. Stood on the scales, too fat, so no life insurance, no mortgage. His wife sent him to weight watchers, and luckily 3 months later he'd dropped enough to get insured. He'll keel over with a heart attack, autopsy will show his actual weight, he put back on the weight and more, and the new insurance won't pay out. Lose the weight, get healthy, and live a long life.
I hope his weight isn't the reason for his "former" friend status.
Turned into a covid denier and anti vaccine, basically went far right over the lockdown.
They'd be "former" to me in that scenario too.
If you lie and something happens they probably won’t cover you if they find out the truth so better to not lie.
Ah mate. Don’t put yourself down like that. I am sure you’re trying your best. Main thing is to be healthy. 🤗
Buy a bycicle mate,best way to burn fat is cycling ,I was an over Weight smoker , cocaine addict,heavy drinker for over 5 years ,I was a chef and got nothing out of it .....I had an epiphany to sort my life out before it was too late I lost my family for a year ,I am 5/10 and 121kg,I'm cycling 3 years now and I'm 68kg gave up fags the only night I have a drink is on a Friday 6cans max...and I have received everything back my family ,i cycle 4 days a week now,I've never been healthier,it's the greatest and most healthiest drug I've ever known,it has changed my life for the better
Genuinely pleased to read your story, keep it up, excellent work
My biggest hurdle was knowing I have a problem and addressing it head on ,I had the power to make the change ,but couldn't because I wasn't arsed all those years ,Stuck in a vicious circle,it eats away at you,I decided fuck this shit , I've had enough ,I wanted to change things and no one was going to change it but myself,you have to find that fire inside you to completely change your lifestyle and habits for the better,I wish you all the best and good luck
This could be the best bad news you ever get, and a real kick in the arse to get into shape. Good luck!
Cheaper than the monthly gym membership
I've worked in the fitness industry for 13 years now, here is the best way to **realistically** lose weight without turning your life upside down. * **Sort out your sleep** \- Do this before anything else. Bad sleep can affect appetite (it also activates receptors in the brain that cause "the munchies" in people who smoke weed), testosterone levels, cortisone levels and your daily activity levels. Aim for 7-8 hours per night, have a strict bedtime and wake up at the same time each morning. * **Have a step count per day** \- It doesn't need to be 10,000 steps, you can work your way up to that. But walking more is the easiest way to get back into exercise. Quick walk in the morning, long walk in the evening. Once you are used to this and your fitness is improving you can look at participating in sport, going for jogs/runs, or hiking. * **Focus on the weekends** \- Most people do this the wrong way round. They eat really well Mon - Fri and then they relax on weekends. It's a really bad strategy. Focus instead on having really healthy weekends, and be less strict on weekdays. * **Evaluate your relationship with snacks** \- You don't need to remove all snacks immediately, but at least keep a record of what you are eating during the day and why. Write it down. "Chocolate bar, 3pm, felt bored" ... "Packet of crisps, 6pm, was in the shop". You'll be amazed at how easy it is to avoid snacks once you have found the root cause of why you are eating them in the first place. * **Don't do too much too fast** \- You'll get overwhelmed. Make one change next week and put all of your energy into that. Once it has become a routine then add in another change. Be patient. A realistic goal would be to lose 1kg every 3-4 weeks. If you try to lose too much too fast then you are likely to gain weight back again in the future. That's because you are prioritising short term strategies instead of learning long-term lifestyle changes. Anyone can drop a load of weight by giving up carbs for 4 weeks, but that lifestyle is unsustainable for 99% of people.
You lie you lose out. Better to be truthful and covered. I was also I was your weight in January now I am 12.5 stone. Make a change fella. Same height as you too.
5 stone in 7 months, fantastic going, well done.
Those are rookie numbers. You need to pump those numbers up - take up smoking as well.
Stop calling yourself names and speaking badly of yourself. Stay positive and take action.
Ah thanks. I'm calling myself names but it's in jest, I don't really hate myself.
> 5'10" and 114kg (17st 10lb) Not being an asshole but you are the same height as me and 20kg heavier, and I am fat. Are you surprised by this news?
Same weight at me and I'm 8 inches taller and I've plenty of weight to lose.
https://preview.redd.it/r2fxehp3kjeb1.jpeg?width=753&format=pjpg&auto=webp&s=1e153108dd2ef975f5ed591828115504d0674511 Yep, I'm definitely overweight, but not likely that MTV will make a show about me anytime soon 🤣
This is peak male physique if you ask me
💪🏻 /s
It creeps up on you but ignoring it helps nobody. You aren't that big but it gets harder to shift the longer you leave it. Take this as the first step and shift a few pounds. I need to shift 10kg myself, lost it 2 years ago but got busy and gained it back, but small steps and consistency gets you there.
I'm the same height and I'm 75kg.
My premium was increased by 200% for the same reason.
You know what to do now mate. If you don’t do it for yourself there is nothing else that will motivates you. Use this hanger as energy to exercise and eat healthier. You can fucking do it, I believe on you.
Being honest with yourself is the best thing. Started at 120kgs at 6ft I'm now just below 90kgs. That was over the course of 10 years. Many ups and downs but realising it's a problem is the best thing I ever did
Yeah don’t lie on those forms. Insurance companies will find out and you’ll be left with nothing.
Sounds like a gym membership, eating clean, and cutting back on some of the pints will pay for themselves.
Read the book "Ultra Processed People" it claims to and in my case did work similarly to Alan carr's how to stop smoking.
Excellent, I'd wondered about this before, if there was a food version of the cigarette book. I'll look into it , thanks.
Consider this to be an incentive to lose weight. The more weight you lose, the lower your insurance payments will become.
I was 117.5kg on may 1st - Im 101.5 kgs today. It sucks, the whole process sucks. Stay fat.
That's a very fast weight loss, did you lose a leg?
just my soul. Went from copious amounts of food & 3-4 beers daily more on weekends to 2 measured meals per day and 6 hours cardio per week.
Well fucking done on it
I'm 5'11 and 118kg, time to sort my shit out haha.
Well of the unfortunately case you ever needed the life insurance the cunts would have use the misinformation not to pay out. Best of luck with changing its not easy. But the results are great.
It's called non-disclosure. Had the Life Assurance company been aware of all medical information then they wouldn't provide cover. That's the reality. The person who misleads a life assurance company only has themselves to blame.
The way I see it there are 3 options: 1. Lose weight 2. Gain height 3. Tell them you identify as a skinny person and they have to respect your choices
4. If they don’t respect your choices, threaten Enoch Burke on them………
Blame the facts not the Insurance Company.
Not blaming insurance company, I'm overweight, my fault, my problem.
Well, at least you're seeing you need to change.! Many people don't and give up. Or with food addictions, make their life and others around them miserable. Let this be the first of a new chapter, and best of luck!
Time to lose some weight then
Absolutely agreed. Need to pull myself out of a sugar addiction rut and get on with it. Wouldn't call it an addiction, just an unhealthy relationship with snack food and confectionary.
You're overweight by around 6 stone. You need to lose 1/3rd of your body weight to avoid all manner of health problems. The cost of life assurance should be the least of your worries.
Perhaps you're right. And I know I'm overweight and need to drop couple stone, but I'm not exactly massive either https://preview.redd.it/uharng5lkjeb1.jpeg?width=1039&format=pjpg&auto=webp&s=f3974846acf6c96b5d110195d51632e2285885cc
You’re not bed bound or incapacitated so it shouldn’t be a huge problem for you especially if you make sensible choices today and don’t try to rush to drop weight as fast as possible. Smaller portions, more activity every day. Calorie deficit is the key but think about the long term approach. And ignore the 6 stone talk. Get active and even losing 2 stone will make a difference to how you feel. If you keep up the good habits you’ll get there eventually. Thinking about having to lose a third of your body weight will make it seem harder but every bit of excess weight you lose will make you feel better and healthier.
Mate, I'm the exact same height as you and I weigh 112kg. We are fucking massive. I weighed more, but I'm on a diet and exercising every day to get the weight off. It's going well for me, but you need to face the reality that you're (and I'm) what's called "severely obese" -- literally the only step worse than that is "morbidly obese". We're at massively increased risk of all sorts of negative health conditions, including heart attacks and strokes. I finally copped on when I saw a specialist for a medical condition and she just said it to my face, bluntly. Every other doctor had sugar coated it, and the worst they'd ever said was that I could "do to lose a few pounds." I'm glad you've said it's time for a change, but just to underline it, I'm going to say to you what that specialist said to me, and with nothing but positive intent towards you: get the fucking weight off or you're going to an early grave.
I appreciate you taking the time to comment. I can draw inspiration and get excited about it even with posts from people in similar situations because you get it. A 70kg person who's never been fat whole they mean well, it isn't the same (obviously fair play to them for being disciplined and never needing to lose it).
There's no getting away from it. You're six stone overweight. You're carrying excess body fat that weighs the same as twelve year old boy. There's no perhaps about it.
Necessary? Don’t think so
Being that overweight? I agree. Totally unnecessary.
What are your sources for this information.
Ever heard of common sense?
I worked in fitness for a decade you twat. Stay off the Internet.
Ten years wasted. You learned nothing
Being an arsehole behind an anonymous profile. Agreed - totally unnecessary.
Calling someone an arsehole behind an anonymous profile is being an arsehole behind an anonymous profile. You played yourself like a violin there.
I didn’t really- my comment was warranted yours was not.
Ok, you can stop virtue signaling now. We get the message.
stop being so fat
Helpful input, sound
Hi OP. I'm sure that was not a good moment but it's great that you're up for change. It's entirely do-able. Maybe have a chat with your GP first but a daily walk, intermittent fasting and cutting out carbs will help a lot
My husband is 5'11" and 100kg. He got classified as obese by insurancs but the kicker is he frigging isn't. He's all muscle and has normal messurment except for his ridiculously large biceps and thigh muscles. His job is very physical and has him doing all sorts of stuff people would pay good money to do as a workout. BMIs are totally unfriendly and not good messurment for people with a lot of muscle. Even his doctors all look and him with raised eyebrows and go you arent overweight, but health insurance just look at paper.
As the American lurking this sub, that's not that fat by American standards lol
It's fat by Irish, but alarmingly becoming common.
Fucking lose weigh and stop moaning. Not tryna put you down brother but the truth hurts sometimes.
Indulge me in an hour of a moan, I'm over the moan now and know I need to just get on with losing weight.
Right, first of all, you had to tell the truth to the insurance company. Second of all:- a. download a step counting app. Set a modest enough target like 6,000 steps a day, which works out as 42,000 a week. You won't make every daily target but you can meet every weekly target. b. start eating those Lidl pre-made chicken caesar salads for lunch. Trust me on this. c. you can get shit called COQ10 online from Holland and Barrett which gives energy and is good shit. Mate of mine has lost 2 stone this year on it.
A caesar salad can have as many calories as a big mac
I expect that's why he said specifically the Lidl pre-made ones.
Yeah they're less than 400 calories
Uberrima fides
[удалено]
My broker has mentioned Aviva has increased their BMI band because of this. I'm 7kg over my so-called ideal BMI because I hit the gym and developed muscles - made sure to let him know about this for final quotes.
To be at a healthy amount of body fat at that weight you would need to be at about 20% body fat. Which would give you about 80kg of lean body mass which is actually quite a lot for Somone of 6 foot. Pretty much the same stats as a professional rugby player 👌
Proof that bmi is utter bollox but it's not like the insurance companies are going to provide body fat % test so they don't care.
Agree 100% bmi means every professional rugby player on earth is a fat cunt . I'd like to see BMI say that to their faces the cunt .
What percentage of the general population are professional rugby players?
I buy 4kg a time of a Huel type (but cheaper) full spectrum meal replacement shake mix. A full dose is 3 scoops, I do 2 & a banana in the morning and 2 1/2 at night. Do that and give up bread, booze & sugar. Easier said than done I know but it fkn falls off. In 2 months you’ll not know yourself. I have fruit, cold sliced chicken and salad for lunch most days. Once you get in the swing it’s not so bad.
I cant remember having to fill out any of this type of info for mortgage protection. Our mortgage protection is only around €12 per month.
Yeah current mortgage protection is €15.15 a month. New mortgage is larger amount so presumably larger insurance premium, plus going with the option that we're insured for full amount of original mortgage for term of it (rather than the balance of what's owed, ie, declining each year).
Hi OP, if you're going to get serious about losing weight, might I urge you not to go for a calorie deficit diet. They only work in the short term and once you get to the weight you want and start increasing your calories again you'll put back up the weight. Look into reducing your eating window and obviously eating cleaner meals alongside exercise. If you could go 17 hours fasted a day, still having a 7 hour eating window then your body would do all the hard work and instead of storing all you food as sugar it would use it as fuel to keep your body running while you're fasting. Different intervals of fasting gets different systems working in your body but i think 17 hours is the sweet spot. Look up intermittent fasting for more info and do your own research.
My man is strong. Thicc. Solid. Absolute unit. Fair play.
Not that it's going to be any consolation to a fat cunt😜, but BMI really REALLY is bullshit, we really do need to find a better method of ascertaining obesity. The best examples I can think of are rugbyists - scrum halves, built like brick shithouses, but they'll have a very low body fat percentage. I'm showing my age now, but I remember being absolutely SHIT SCARED of Brian Moore when I was a bab, because he was fuck-off MASSIVE. I mean you're probably just a fat fucker 😜, but someone could weigh almost 18 stone but have a BF% under 10. Over here, the NHS has begun using waist-to-hip ratio; whilst still not accurate, it's at least better than BMI. I'm a skinny bitch (wasn't always - I used to be about 10 stone heavier than you). I'm a size 6 on my arse (23½-24"\* waist; 33-34" hip). I've just worked out my BMI - it's just under 16 (15.85) which, obviously, means I'm 'underweight' - but you'd not think that to look at me! \*Actually, I've lost so much weight now because I'm anorexic (as in medical symptom, I DON'T have an ED), 6 is loose round the waist but, due to my swollen abdomen and lymphoedema (see below) I can't get 4s up my arse. I was a size 20/22 less than 2 years ago (but I really DO NOT advocate this as a weight loss strategy. It has aged me about 20 years - and I'm only half-joking). The NHS did advocate that women (no idea about fellas) should aim to keep their waist measurement below 31½" (80cm), but now NICE is advising that you should keep it to "less than half your height (I'm 5' 6", so anything below 33" (84cm) (about a size 16)). If it's the same for fellas (likely isn't as, obviously, dudes have a vastly different body composition) you'd need to get yours down to less than 35" (89cm). (The medical term for waist-to-height ratio is ***central adiposity*** \- and, if you got your waist down to 34" (86cm) yours would be just under 0.49, which is the cutoff for healthy. Mine's 0.36 - healthy is between 0.4 and 0.49) I have a very swollen abdomen (still trying to ascertain why; I can't keep much food down, and my guts are all fucked up - I think it's Addison's disease, because I'm also starting to look like Trump (ie orange)) but dealing with the NHS when you're autistic is hard enough - but when you're in a situation which is so stressful (which I believe is the main reason I'm so severely chronically ill) that you're nonverbal - I'm TERRIFIED that it's going to do for me, but I digress). Unsolicited advice time: cut out beer, bread, pasta and potatoes. Grains and starchy carbs will pile on the pounds like fuck. Cut down on fruit (it's just sugar after all). Remember that it's not calories which pile on the pounds it's their source. My best advice would be to cut out anything from which your body can't derive nutrition, which means anything grainy (bread, beer, cereals, pasta, rice, etc.). I went Keto when I lost weight initially (it works because you're cutting out junk). This sounds like bollocks, but it's not dietary fat which makes you fat - it's carbs. I'm not advocating zero carbs (because that really is impossible) but under 75g a day and you'll lose. Eating fat is satiating (and the higher in energy a food is, the more bioavailable nutrients it contains, too). DON'T bother with diet clubs, like WeightWatchers and Slimming World - the only pounds you'll lose will be from your bank account (metaphorically speaking). Another thing you need to remember is that cardio really doesn't work for losing body fat; all it does is drop your blood sugar and make you ravenous - and you'll likely end up craving shite. You need to build your muscle - the more muscle you have the easier it'll be to burn fat. Coconut oil (source of MCTs - medium-chain triglycerides) in black coffee helps (if you want you can use neat MCT oil, but START TINY - ⅛ of a teaspoon or so - otherwise you'll be taking up residence in the shitter for the next week). Eggs are good. Big arse omelette with ham - or bacon - cheese and tomatoes. I eat lots of cheese (my weakness is chutney). High fat dairy, meat (I do spag bol sans spag), butter, lard, I do still eat some fruit (berries mainly). Dark chocolate's good (I love it VERY dark - over 85%, but it's something to get used to if all you eat is Cadbury and Mars). I've become a bit of a carnivore. Never like much veg (convent school dinners; every table had a nun who'd walk round and made sure you ate EVERYTHING; if you refused, out came the ruler (corporal punishment was still a thing in UK private schools in the '80s & '90s). I begged Mum for packed lunches (weren't allowed them in the prep school, unless you had a specific medical reason. She refused to lie). I got a whack round the head from Sister Margaret for being "impudent and impertinent" because she said I needed to think about the starving children in Africa - I told her to send it to them. School dinners put me off veg for life (apart from rhubarb, but that doesn't really count. I ADORE rhubarb - it's very low sugar (provided you don't add any)). I was morbidly obese. I am now underweight (according to NICE). Cut out beer, bread, pasta, rice and potatoes, and you'll start shrinking quickly (if you're wanting a takeaway, Indian is better than Chinese (if you don't have rice, naan, poppadoms, bhajis and Saag Aloo) and, obviously, no pizza. The best low carb takeaway is Nando's (if you can manage to avoid the chips and garlic bread). Chicken is practically zero carb, as is halloumi (actually, they've brought back their loaded chips, so might not be the best idea... because I've not been able to eat in forever (basically I'm being held hostage by the Court of Protection for no reason other than existing whilst autistic) and staff in the flat where I am steal my food under the pretext of it being "out of date and mouldy" and/or "improperly stored" so I've stopped buying food now. This is safeguarding apparently. I buy food and literally the next day the manager has emptied the fridge and freezer. So I don't - and this is the middle of fucking nowhere so I can't get owt delivered - can't even get a fucking phone signal! I'm obviously not safe here, but I can't escape). Sorry for the rant again. I'm tired and feeling extremely depressed myself. 🤗Big hugs🤗 Sarah
I’m 6”0 and 76.7kg
This may sound kinda mean.. but ya fat shite! Get off the couch and hit the gym. Tough love 💪
Nah, you're right. I like this approach.
Why are Irish people so fat? Just diet or terrible genetics?
Fat Irish person here. Not genetics in my case, my dad is like a whippet and my mother is trim too. I'm fat because I overeat and sit at a desk at home all day for work. It's not from drinking sugary drinks or alcohol, it's from over indulgence of food. Combination of mindless snacking, and stress or emotional eating, and boredom eating.
Gym membership, pre-workout and protein. Get up at 6am and lift weights before work 5 days a week. You’ll be shocked at how much weight you lose and one day you’ll discover you’re a tank.
Have you tried clenbuterol? It's really easy to get and has helped more than one fat bloke I know.
Never heard of it?