Term Life Insurance after Bariatric Surgery

Hello,

I am a 47 year old white male. I am 15 years into a 20 year $1 million term policy. I was rated at teh highest class at the time when I got that policy (I think I was 2 or 3 lbs away from being uninsurable).

In 2018 I had my second (aka “revision”) bariatric surgery. It was a gastric bypass (Roux-en-Y) after I had a gastric sleeve several years earlier. It was a “failed” surgery in that I only lost 10-15 lbs and still was morbidly obese and wasn’t making any lifestyle changes.

Fast forward to March 2020 and my pre-diabetes went to full diabetic. Like a switch had been flipped, I immediately started to take my health super seriously. I have lost 180 lbs, I am no longer obese (let alone morbidily obese). my A1C is totally normal at 5.0. I am on ZERO medications, I have ZERO health issues, I excercise 4-5 times per week (lift weights, run, etc). I eat super heathy, I have kept the weight off in it’s entirity, etc. Honestly, I haven’t been in such good shape/health since high school.

I went back to all of my medical providers to have them update my medical records that I am A) no longer diabetic, B) no longer need to use a CPAP, C) am no longer on chloestoral lowering medication.

Given my new health status, and that I am a high income earner, I’m trying to get a replace the current $1 million term with a $5 million term. I’m either being flat out denied or after the underwriters due their diligence, getting rated many classes higher than the initial quote. For example Pac Life went from an initial quote of $240 a month, and then 6 classes higher/later their quote was $722/month (this was through Policygenius).

I’m not arguing about their decisions. but I do wonder, given the last surgery date of 2018, if in 2028 it would “fall off” my medical record (granted I would be 52 at that point.

Does anyone have any suggestions on how I might proceed, if at all possible, to get a quote that more accurately reflects my current health situation?

PS – never used tobacco, don’t drink, family history is great.