A new methodology for creating HBM variants is presented and utilised to investigate the loading on the abdomen area and skeleton of three different HBM variants subjected to frontal sled tests. In all scenarios the same IP model was used. The study was able to verify the differences observed on the loading patterns between occupants of different BMI. The loading of the seatbelt on the upper abdomen was reduced and exhibited more time to build-up on the obese and M95 occupant models compared to the average. On the other hand the bladder and rectum exhibited higher stresses. Furthermore, the lower extremities of the obese and M95 occupant seem to have higher probability of injury as higher stresses on a greater area of the femur and tibia are observed with shorter time to impact onto the instrument panel. Different loading profiles were observed also on the spine which align with accident statistics.