Well, no. After a certain weight/age and a certain kind/number of medications, an obese person will simply be denied coverage.  Unless a fat got a 30 year  term policy (max available) before he got obese, he will, at best, get guaranteed coverage. That's like a Yugo for the price of a Mercedes. Better to just get rich if you're morbidly obese.  Source: Am in the industry.