100 pounds over, but BMI only 37

I am 100 pounds over, but my BMI isn't over 40. Although I am this heavy, I haven't had serious medical problems. I do have a brother just diagnosed with diabetes and my father had heart problems,as well as his sister and brother and many of my 1st cousins. All dead due to heart issues. Is WLS surgery worth pursueing or will my insurance want my own personal co-morbilities.

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