In most cases, yes, you can get life insurance once the surgery has taken place at least three (for gastric banding) to six (for gastric bypass) months before you apply.  The insurers will charge an additional premium depending on the type of surgery and the time since the surgery. They will also take your current weight into account and any other health issues.However, Louise’s was on a public waiting list for bariatric surgery for the previous ten months.She didn’t know if she would ever even have the surgery!I could understand her frustration, so I spoke with our underwriters, but I didn’t hold out much hope.You see, their underwriting guidelines advise a postponement if there are investigations planned or test results outstanding.