Metabolic & Build Clinical Underwriting
Life & Burial Insurance with Elevated BMI & Weight Management
Carriers have dramatically different 'Build Charts'. A 5'10 230-lb applicant may receive a Table 2 rating with one carrier, but qualify for Standard Plus with a carrier having generous build allowances.
Approval Outlook
High (Build Charts vary dramatically)
Risk Tier
Low to Moderate
Prevalence
42% of US Adults
Day 1 Coverage?
Eligible
Marcus Vance, CLU®, ChFC®
NPN #19402851 Verified
Director of Wealth Preservation & Annuity Strategy • Chartered Life Underwriter (CLU®) • Chartered Financial Consultant (ChFC®)
Fact-Checked & Audited: September 2026
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Actuarially Reviewed by Sarah Jenkins, Esq.
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Common Medications Evaluated by Underwriters
💊 Wegovy
💊 Zepbound
💊 Mounjaro (for weight)
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Carrier Sweet Spots for Elevated BMI & Weight Management
These top underwriters offer favorable rate tables and no medical exams for well-managed Elevated BMI & Weight Management:
✓ Corebridge Financial
✓ Protective Life
✓ Transamerica