I don't know if it would "help" or not. I would think you insurance company will require more proof than just one high reading - mine did

I fought with mine for about 6 months and then decided "I might not be able to lose this weight and keep it off, but I'm darn good at gaining" and proceded to get my weight up to the 40 BMI mark. Sad, isn't it?
Oh wait, I was looking at your starting BMI of 38, you're now over 40. Isn't that enough just by itself?