All insurance companies evaluate height and weight into determining ones risk factor for obtaining life insurance coverage. Being overweight does not disqualify one from getting insurance. As experts in impaired risk we know which companies have favorable HT/WT charts. We know which companies will give internal credits and we know which companies will issue with a rate reduction if the rating class comes in at a Table 3 or lower. Being overweight can lead to other health conditions so it is important to let us know of any other health factors.