The health risk of obese people is very high. For health insurance and life insurance closely related to the health of the insured, the insurance company will fully consider the physical condition of the insured, including the body mass index value of the insured, and must fill in the height and weight of the insured when applying for insurance. If you are obese, it will definitely be more difficult for insurance companies to underwrite normally than ordinary people.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.