<prompt> Human: I work for a pretty large national corporation and we are going through our annual medicallife insurance enrollment period. I decided to up my life insurance policy from the minimum to 300k. I have a wife and small child and God forbid anything where to happen I wanted to make sure they were taken care of. I am a fairly healthy individual. Active lifestyle as I play in a couple of adult rec sports leagues and like to hike, lift weights etc... Im 29 and a non smoker, non-drinker, never had any major health issue, never even been to the Emergency room. The reason that was listed that I was denied was my weight to height ratio. According to them I am considered obese. I am just over 61 and weigh 285...I know that sounds alot but I carry my weight very well and am pretty well built. My question is that without a actual doctor check up how can they outright deny me? And if I have to look elsewhere what would be some recommendations? I dont make a lot of money 45k and Im the sole earner in my home. With bills, rent, school debt, car payment there isnt a whole lot of wiggle room for an expensive life insurance policy...But I dont want to leave my family hanging if something where to happen. Any advice would be greatly appreciated.  <response>: My question is that without a actual doctor check up how can they outright deny me?Because they dont need a reason to deny you additional coverage. Theyve got a simple formula that anyone with a BMI over X isnt eligible, and theyre completely allowed to do that. The number of people who have a BMI over 35 or any other high number and are healthy is pretty small, so using that as a blanket rule isnt going to kick out many people who should be eligible. And if I have to look elsewhere what would be some recommendations? I dont make a lot of money 45k and Im the sole earner in my home. With bills, rent, school debt, car payment there isnt a whole lot of wiggle room for an expensive life insurance policy...Id start with the normal big companies and get a few quotes. Be aware that any online site you submit your info to will probably be calling you back within 10 seconds of you submitting the info. In my experience, its a lot less pressure to call a local agents office.Also, term life insurance isnt that expensive. Ive got a similar BMI, and had a pretty large policy with StateFarm for around 600yr. It would have been about half that if the physical didnt find a couple things that were higher than normal. Just guessing, but Id think youd be looking at something like 200yr for a 300k policy. 