Let me check my underwriting guidelines when I get to work tomorrow.  Are we talking term coverage? How long? 30 years max, for the record. Seems like that might be reasonable for your age.    How much coverage are we talking here?  Do you use tobacco?  Ever? If you quit, how long ago? Lastly, are you a US resident? If so, I'll run a quote in my home state. Unless you're in CA. Those fuckers are crazy with their guidelines and I'd need to include that.  That all said, fats really don't skew life insurance the way they do with health insurance. Totally different animal and the government is not part of it at all.  They seem to view life insurance as a privilege. Which, honestly, it is.