Is this man probably going to die way too young?

Probably not. At the risk of sounding like a know-it-all (chuckle), a lot of overweight people have sleep apnea, not using his prescribed machine is completely goofy.

What he needs is to stop smoking, exercise the weight off, and live a long healthy life.

I won’t say anything about the life insurance comment, except that if he continues on as he has, it’s a good thing for his family that he’s insured.

You never know for sure. But the smart money would bet against it.

You can run the numbers based upon actuarial tables and determine his life expectancy. That number means there is a 50% chance he will live longer (or shorter) than that.
I think realage.com still does this. A quick search will find others.
Based upon my height, weight, age, non-smoking, low cholesterol, exercise, blood test results, and eating habits, my life expectancy is 96!
If he is 100 pounds overweight and recently stopped smoking I will guess his is 76. Run the numbers and find out.

If he doesn’t change his unhealthy life style soon he will likely develop type 2 diabetes within a few short years and all the problems that go with that. This alone will make it highly unlikely that that poor sole will make it to the average life expectancy for men in the U.S.A. (78 years). Not even close in my opinion.

@LuckyGuy he didn’t “recently” stop smoking. He smoked at 23 and , some years later, stopped. I don’t know when he began smoking but his wife “got him” to stop by making sure he went to a doctor who saw a shadow on his lung X-ray. They biopsied it and it was benign. This was about 11 years ago or a little longer. Cigarettes stopped; the weight started piling on.

It’s possible but I don’t like the odds

@Aster There is data that shows if a smoker stops smoking the life expectancy begins to go up withing months. I forget, but it was something like after 20 years of no smoking you are as improved as you are going to get.
Weight gain is another issue. Scientific American published an article that showed how much life expectancy is shortened per 10 pounds. I will look for it. It was within the past few months. ——I found it: Jan 2013 issue see attached video

He relates everything to 30 minute blocks of life. I do not have the exact numbers, – look at the video to get them but it is something like: Smoke 3 cigarettes and they will shorten your life by 30 minutes. Be 20 pounds overweight and lose 30 minutes for every 10 days you are over. ( Don’t quote me. Get the data from his presentation.)