Weight Loss Drugs and Your Client’s Life Insurance Exam 

In today’s health-conscious world, weight management is a key concern for many individuals. With a significant portion of the population grappling with overweight or obesity issues, the use of weight loss drugs has become increasingly prevalent.  

When your client is preparing for their paramedical exam, you need to emphasize to them the importance of transparency when answering questions about their weight loss journey during their life insurance exam. If they have taken weight loss drugs, the medication may affect their rates, just like any other prescription. 
At APPS of Georgia, we understand the importance of addressing such concerns during paramedical exams, ensuring transparency and accuracy in the life insurance process. 

The Weight of the Issue 

According to the National Institute for Health, nearly 1 in 3 adults (30.7%) are overweight. More than 2 in 5 adults (42.4%) have obesity. About 1 in 11 adults (9.2%) have severe obesity. Coupled with this, almost 2 million people in the U.S. took weight loss drugs to address their weight-related concerns in 2021. This underscores the significance of addressing weight management issues during para medical exams, as it can impact the insurability and rates offered by insurance carriers. 

Transparency Matters 

During paramedical exams, one standard question often asked is whether the individual has gained or lost 10 or more pounds within a specified period, typically the last 6 months. This question is crucial for assessing changes in health status and potential underlying issues. It’s essential for individuals to answer such questions honestly and transparently, as withholding information can adversely affect the underwriting process.  

Agents should never coach their clients to hide information directly related to paramedical questions asked during the exam.  

Understanding Underwriting Guidelines 

It’s important to note that every insurance carrier operates with its own set of underwriting guidelines. These guidelines dictate how weight loss drug usage and related health factors are evaluated in the context of life insurance applications. While some carriers may have more lenient policies regarding weight loss drugs, others may scrutinize such usage more closely. Therefore, transparency about health history is important for obtaining accurate quotes and ensuring a smooth underwriting process. 

Navigating Weight Loss Discussions 

Engaging in open conversations about weight loss and related topics can sometimes be challenging. However, it’s essential to approach these discussions with empathy and understanding. Agents can play a crucial role in creating a supportive environment for clients to discuss their weight management journey during paramedical exams. By fostering trust and rapport, agents can encourage clients to share their experiences with weight loss drugs, dietary changes and exercise regimens openly. This proactive approach not only facilitates a thorough assessment but also empowers clients to take control of their health. Transparency and communication are key in navigating weight-related discussions effectively.  

Our Commitment to Accuracy 

At APPS of Georgia, we pride ourselves on our dedication to delivering fast and accurate paramedical exams that streamline the life insurance process. With more than 40 years of experience serving agents and clients across Georgia, we understand the importance of transparency in the life insurance process. Our team is committed to ensuring that all relevant health information is accurately documented, enabling underwriters to make informed decisions. 

As an agent, you may get questions from concerned clients about the use of weight loss drugs and corresponding weight loss. Generally speaking, the underwriting department for the carrier would be able to provide insights as to how to respond to these client questions. At APPS of Georgia, our role is to collect the facts. As agents and advisors better understand their company’s underwriting guidelines, you can be more prepared to respond to clients on this hot topic. 


Following these tips does not guarantee insurability or particular rates, which are determined solely by the insurance carrier. 

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