4 years of experience is acceptable, particularly given that McKinsey is a strong brand. However, check with INSEAD about an older GRE being accepted at their institution. Either start date would work fine for your candidacy, but you need to take the time to fully develop your whole story on why you need this MBA now in order to move into a senior BD role in Oil&Gas industry, and to fully develop a strong pitch for why you will be a great admit tot he school beyond your good grades, test scores and good work experience. There is so much more to a candidate than those few factors and you need to spend time focusing on what it is that makes you exceptional, what makes you a leader, an innovator, a unique candidate to the class.
Best of Luck-
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