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Mississippi takes the lead as the most obese state in the US. If your lender makes it a requirement for you to purchase homeowner’s insurance – and they usually do – then you must purchase homeowner’s insurance. This can help you save money and still qualify for the best coverage with the lowest premiums. Louisiana Term Life Insurance This means that the more you weigh, you're not only hurting your body but also your wallet. For those who do not suffer from being overweight or obese, you are in luck.