Yeah, the insurance companies use height v weight as a general predictive indicator of claims. The underwriting isn't even about you personally at all, it's about what the insurance company's entire book of business does. If they have 85% of people with a BMI over 40 incur an additional $5,000 in claims/year - you will pay a portion of that $5,000 in extra premium if you have a BMI of 40+ - or they may deny you coverage because they can't confidently quantify your risk. That happens a lot in obesity situations. (I am using 40 as an arbitrary cut-off # - the actual number and claims statistics vary from carrier to carrier.)
I have seen statistics on obesity that are alarming. In our 20s and 30s we don't have many more claims than our thin equivalents. But once we get into our 40s, 50s or 60s, the claims shoot the roof. The reason is that obesity can cause diabetes, heart disease and make cancers harder to find at earlier stages. Those types of claims are very expensive in our current system.
HW: 225, lost 75lbs in 2011 LW: 150
Losing again starting from 190lbs - 10/16/2015
Small changes add up. Striving to better than yesterday.