My BMI is terrible I'm at 38.7, but the health insurance companies don't take into account that my body fat % is normal. I work out a lot and unfortunately the more you work out the heavier you'll be cause you'll be packin on muscle if you do it right.
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You should speak with an independent broker and arrange a medical exam. That way, you will have proof that your weight is due to muscle, not fat. An online quote system can't take things like that into account.
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