Difficult Cases I Need Suggestions For

I am mainly P&C with a little term mixed in but I now have 2 people I need suggestions for. They need term because the bank is requiring it to fund their new business.

28yo smoker male 6ft and 385lbs, taking blood pressure meds.

32 YO woman non smoking 5'4 and 290, depression meds.

Both in good health otherwise. Are these impossible?
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