The rise of new weight-loss medications is changing how insurance companies think about protection cover

At Key Life Financial Services, we understand that you may have questions about how these changes affect you.

A Positive Outlook

Many insurers, like Zurich are looking at the use of these medications in a positive way. If you are using these drugs to manage your weight, insurers are likely to view this as a proactive step towards a healthier life. The health benefits of losing weight often outweigh the risks, which can be good news for your insurance application.

Applying for Cover

While some people use these new medications, insurers typically do not have specific questions about them on application forms yet. You will be expected to mention it under general questions about any long-term medication or treatment you are currently receiving.

It’s important to be open about your health journey. Being honest and providing complete information helps the underwriting process run smoothly. Insurers also need to be aware of any other conditions you are managing, such as high blood pressure or high cholesterol.

Understanding the Process

The goal of underwriting is to assess your individual circumstances. Sustained weight loss can lead to more favourable outcomes and in some cases, lower premiums. While the medication can help you lose weight, insurers also consider how well you can maintain a healthier weight over time.

For some, maintaining weight loss can be a challenge once they stop the medication, especially without support from diet and exercise plans. Because of this, underwriters often take a pragmatic approach when assessing your Body Mass Index (BMI). They may add back some of the weight you’ve lost in the last year to get a more stable picture of your health.

However, if you have stopped the medication and maintained your weight for at least six months, insurers are more likely to see your new weight as stable. This can significantly improve your chances of getting cover.

We’re Here to Help

Navigating the world of insurance can be tricky, and we understand that discussions about weight can be sensitive.

We believe that these new medications are a great opportunity for people to improve their health. This can lead to better insurance outcomes, offering you and your family the protection you need.

If you are using weight-loss medication and would like to find out how it could affect your insurance application, book a meeting with us to discuss your options.

We are here to support you in a friendly and non-judgmental way.

 

Published October 2025

It is important to take professional advice before making any decision relating to your personal finances. Information on this page is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored advice and is for information purposes only.