Overweight Mail Seeking 20YT

My client is age 37 and clocks in at 5'10" and 260lbs. Also has sleep apnea (treated via CPAP). No other adverse factors.

I'm showing United of Omaha at Standard N/T as the most competitive rate at ~$1,200/year.

Amirite? Any suggestions off the top of your head?

Source of insurance-forums.net