Does 40 BMI always equal 100 lbs over weight?

I am over the 40 BMI but I don't know if that means I am also the 100 lbs required by my insurance. I don't understand the charts with the wide weight range they have for 5'3" tall. What exactly do I need to weigh to qualify for my insurance? I am driving myself crazy worrying that I am not that 100 lbs. I'm afraid I'll come up 98 or something ridiculus like that. I just don't know where I stand on my weight.

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