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Common reasons include insufficient documentation, failure to meet step therapy requirements, medication not on formulary, or BMI not meeting threshold

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How Underwriters Are Adapting Life insurance companies are changing their approach in several ways: Instead of vague questions like "How has your weight changed recently?", applications now include detailed queries about: Exact weight loss amounts in specific timeframes Use of prescription weight loss medications Methods used for weight loss Many underwriters are now adding approximately half of recent weight loss back into their risk calculations

We dispense only FDA-approved medications, review labs when indicated, and integrate supportive wellness services such as IV therapy and hormone optimization