Not all life insurance carriers judge high cholesterol the same. Say your total cholesterol is slightly elevated at 239. With many carriers, you would only qualify for their preferred or regular plus health rating, which are their second and third best offers. With ONE carrier, though, Genworth, you can still get their BEST offer!! Preferred Plus! Genworth. They are the most aggressive life insurance carrier on cholesterol. Whether your cholesterol is 240 or 300, you can get affordable term life insurance here.
So when you get a quote on the right hand side of this page, and a carrier like Banner Life or Cincinnati Life shows up as the lowest price, keep in mind you may not be able to qualify for their best health rating if you have high cholesterol.
Here’s what Genworth will allow to get their Best Rate, Preferred Best. Total cholesterol: 240 mg/dl, if cholesterol/hdl ratio is 5.0 or less and if your good cholesterol (hdl) is 45 mg/dl or higher. To quote this on the right, use “Preferred Plus”.
Their Second Best Rating allows total cholesterol: up to 270 mg/dl, Chol/HDl ratio at 6.0 or <, and hdl of 40 mg/dl or >. To quote this on the right, use “Preferred”.
Their Standard Rating allows total cholesterol: 300 mg/dl, Chol/HDL ratio of 8.0 or lower and hdl of 35 mg/dl or higher. To quote this on the right, use “Regular”.
If you have high cholesterol or any other medical condition, you should call an independent agent like me, who can evaluate your specific case and see which carrier can offer you the lowest price based on your particular situation.
For more information about cholesterol, click here.
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As we get older we tend to experience certain health conditions that some may consider as part of the aging process, like having high cholesterol. Getting the right food, exercise and knowing the ways to lower your cholesterol naturally brings a lot of advantages to prevent or at least control them.