High cholesterol is something which affects many Americans, and it could have potential negative impacts on your ability to buy life insurance.
Buying life insurance with high cholesterol can be much easier if you choose to work with an independent agent. This gives you the opportunity to work with a carrier who is more likely to offer you cheap insurance protection.
Let us help you find what you’re looking for. We can help if you need life insurance for people with health problems. Looking for life insurance coverage with Cerebral Palsy? We can help with that as well!
Life Insurance With High Cholesterol
While high cholesterol is quite common in America, most would agree they don’t see it as much of risk. A doctor might tell you to diet and exercise, and prescribe some medication to keep it level. Other than those, he’ll say it’s business as usual.
While you may think it’s minor, life insurance with elevated cholesterol levels can be considered risky from the life insurance carrier’s point of view. High cholesterol can be a leading indicator for some of the more risky diseases long-term which pose a threat to the company. The two most prominent are:
- Cardiovascular Disease
When you’re applying for life insurance, high cholesterol is something which is tested for when you undergo a medical exam. Because of this, it’s not only important to have a good history of normal levels, but you’ll want to try to ensure your levels are good on the day you meet with your nurse.
Tips For Passing Your Medical Exam
Accurate readings of your blood profile will aid in securing the best term life insurance coverage, at the most affordable premiums. While you can’t completely alter your blood before your exam, you can take some necessary steps to be positive they are a good representation of your health.
The first is to drink lots of water and eat as healthy as you can in the days preceding your exam. Eating light and eating food with low fat are key. You’ll also want to fast as much as 8 hours before your exam. This won’t guarantee you’ll get perfect levels, but it can help.
If you’re already prescribed a mediation for elevated cholesterol, take it exactly as the doctor ordered. Also, tell your examiner what medicines you take, including the dosage and frequency of use. Showing pro-activity in keeping your cholesterol under control is a great way to lock in low rates.
What A Carrier Needs From High Cholesterol Applicants
When you apply for life insurance with high cholesterol, you’ll be asked to provide as much accurate information in regards to your cholesterol as you can. The underwriting process will want detailed data. This is what an insurance company might ask:
- How is your overall health?
- How long have you had high cholesterol?
- What readings have you had previously? (LDL, HDL, Triglycerides)
- Has your cholesterol been treated? If so, how?
- Are you on any medications? If so, which?
- Is there any family history of heart disease?
- What is your current height/weight?
If you can provide a long standing report of health, or at least maintenance, you will probably get better ratings than most.
What To Expect When Applying With High Cholesterol
Most of our clients ask us what premiums they can expect to pay before they apply for life insurance. High cholesterol can bring excellent rates, but you could get worse if your levels are severe.
Top Tier Ratings
Yes, you can get them. Preferred ratings are attainable by some life insurance carriers, although not all. As long as your good cholesterol and bad cholesterol have a good ratio, and your levels don’t exceed a certain number, you can qualify. Some medication usage is okay, but high dosage and frequency requirements might bump you out of this category.
Mid Tier Ratings
These are reserved for most of the potential candidates for life insurance with high cholesterol. Standard ratings allow for higher levels than the preferred applicants, and also allow for the more liberal uses of medication. Some companies, however, will not offer to this risk class due to higher overall levels.
Low Tier Ratings
Sub-standard ratings are likely if you have high cholesterol in addition to other medical concerns, especially those of the heart or arteries. There are only a few companies who will take on the risk, so you’ll need to inquire about these before applying.
If you would like additional information, please let us know and we’ll be happy to help.