Seeking Advice on Life Insurance After Sudden Weight Loss (39M)

Hey everyone,

I’m a 39-year-old male and over the last 3-4 months, I’ve experienced a rapid and unexpected weight loss of about 15 pounds. What’s strange is that I haven’t made any significant changes to my diet or lifestyle that would explain this. Naturally, this has made me start thinking more seriously about my life insurance coverage.

Currently, I have a $250k policy through my employer, but I’m considering looking into a 1M 40-year term life policy to ensure more long-term security for my family. Given my recent physical changes, I’m trying to be proactive in securing a policy before any potential medical diagnosis comes up that could complicate things. Outside of the weight loss, I am extremely healthy, never had any problems, excellent BMI, non smoker, non drinker, and no risky hobbies. My dad did die from skin cancer, but no other family history. I currently reside in Louisville, KY.

I’m looking for recommendations on companies, brokers, plans that might be ideal for my situation. Also, I’d appreciate any advice on whether I’m going down the right path by trying to secure additional coverage now, or if there’s anything else I should be considering before moving forward.

Also, I understand some things are gooogleable, but it seems like people in here are extremely knowledgeable about insurance company and/or state specific gotchas that can come up.

Thanks in advance for any guidance this community can provide!