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My company would insure someone 35 lbs overweight, no problem (if you mean 35 lbs over optimum weight). That's not even considered very overweight, but is right on the border of standard. Over the limit of the upper range, the person would be rated up (pay a higher premium) for being very overweight, up to another ceiling, and if they are over that, they pay yet a higher price, and then if they are above the top tier of overweight, they are considered obese and not insurable.
Example: An average height woman weighing 150 would be considered normal weight. 200 would be considered a rateup. 220 might be a higher rateup. 300 would be uninsurable.
As for fen-phen, that's not a question I'm required to ask, so if they've taken it and didn't have problems with it, we'd probably never know or care. otoh, if they got an adverse reaction and ended up in the doc's office or emergency room, it would show up in the medical records and would be evaluated during the underwriting process, just like everything else.
We are also required to ask the person to tell us 'ANY OTHER' medical conditions in the last x # of years. An adverse reaction would definitely be classified as such, and they would be obligated to tell us about it. If they didn't, that's a material misrepresentation and grounds for fraud.
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