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
Common Medications Evaluated by Underwriters
💊 Wegovy
💊 Zepbound
💊 Mounjaro (for weight)
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