High Cholesterol Life Insurance

At Waterway Financial Group, we help clients of all types. Perhaps one of the most common questions we get is in regards to either high blood pressure or high cholesterol.

While high cholesterol life insurance is still very affordable, it could throw an underwriter for a loop, depending on your personal situation.

Today we’ll be discussing high cholesterol life insurance in greater detail, so you know what you can expect when you get a quote or go to apply for your policy.

Life Insurance With High Cholesterol

If you have dealt with high cholesterol before, there is good news already. Your current levels of cholesterol are, by far, the most important. If your levels are currently under control through methods like diet, exercise or even basic medication, you can expect good rates as long as the rest of your health is under control.

So, what are the acceptable ranges for high cholesterol life insurance? Let’s first go over high cholesterol a little closer so we can see why a life insurance underwriter might consider it a threat.

According to Mayo Clinic:

Cholesterol is a waxy substance that’s found in the fats (lipids) in your blood. While your body needs cholesterol to continue building healthy cells, having high cholesterol can increase your risk of heart disease.

When you have high cholesterol, you may develop fatty deposits in your blood vessels. Eventually, these deposits make it difficult for enough blood to flow through your arteries. Your heart may not get as much oxygen-rich blood as it needs, which increases the risk of a heart attack. Decreased blood flow to your brain can cause a stroke.

High cholesterol (hypercholesterolemia) can be inherited, but it’s often the result of unhealthy lifestyle choices, and thus preventable and treatable. A healthy diet, regular exercise and sometimes medication can go a long way toward reducing high cholesterol.

The two main keywords in this snippet are preventable and treatable. From an underwriters standpoint, it’s excellent news whenever they’re dealing with something which can be both prevented or treated. In the case of high cholesterol life insurance, this means the risk can be minimal, and you can secure even the discounted rates.

What Ratings To Expect With High Cholesterol Life Insurance Policies

There are a vast array of ratings you can expect, from top tier rates all the way down to sub-standard rates. Let’s go over each class so you can get a better idea of where you might fall with your personal numbers.

  • Preferred Best: unavailable
  • Preferred: LDL < 250
  • Standard Plus: LDL < 250
  • Standard: LDL < 299
  • Sub-Standard: LDL > 300

Those are the sort of the “guideline starting point” for each case. Depending on your HDL’s as well, you could move up or down the scale a rating or two. If your LDL is in range but your HDL (the good kind) is not where it should be, this could prevent you from achieving the desired discounts.

Medication is actually okay for someone who is looking to buy high cholesterol life insurance. While medications for other health conditions can be indicators of non-controlled situations, someone dealing with high cholesterol issues can be using mild medication on a regular basis and still be eligible for the preferred rates.

Here are some other things which will be considered in regards to the high cholesterol:

  1. Date of Diagnosis
  2. Age at Diagnosis
  3. HDL / LDL / Triglyceride Levels
  4. Current Medications (dose, frequency, duration)
  5. History of Stability (short or long term)
  6. Family History Considerations
  7. Current Health (other than cholesterol)

Just because your current cholesterol levels might qualify you for the top tier rates, like preferred, doesn’t mean another health issue will knock you right back down. Any time an underwriter has to think about more than one issue, even two minor things, there is a greater likelihood you could expect to lose a discount or two.

When you buy high cholesterol life insurance, you can expect to do a blood test. This exam will take a current reading of your cholesterol, whether your doctor provides a written history or not. So be sure your cholesterol levels are under control as best you can even to the day of your physical.

If you have other questions about how your history with high cholesterol affects life insurance, please contact us and we’ll be happy to take your situation into unique consideration. We’ll even help you apply with the correct company. Not all companies are willing to offer high cholesterol life insurance, while some are very aggressive in their underwriting practices.

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