Not all life insurance carriers judge high cholesterol cases the same way.
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, Genworth, you can still get their BEST offer!! Preferred Plus! 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.
Quick Guide to Obtaining Life Insurance with High Cholesterol
- How Much is Life Insurance with High Cholesterol?
- How Will Cholesterol Medication Affect My Life Insurance Rate?
- How Lowered My Cholesterol for a Life Insurance Exam
- Get the Best Premium with High Cholesterol
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 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”.
*Please note that Genworth and other companies mentioned here frequently update their underwriting guidelines, and other factors are considered in your health rating besides just cholesterol levels, so don’t assume just because your cholesterol levels fall within the company’s best health rating above that you will get their best rating. Also keep in mind that when you apply, you should speak to a knowledgeable agent about your health to get an accurate quote.
There are a handful of companies that will still give you the best health rating, even if you take medication to control hyperlipidemia. I prefer not to mention exactly which ones, because as I mentioned above, sometimes their guidelines change.
Time went by and I did nothing about my high cholesterol. In August of 2010, I went into Kaiser for an annual physical, which included lab work, and found that my cholesterol and triglycerides were well above normal levels, with my total cholesterol at 228 and my triglycerides dangerously high at 274. To make matters worse, my HDL (good cholesterol) was only 39, giving me a cholesterol/HDL ratio of 5.8 (very high). Below is a picture of my lipid panel from Aug. 2010.
After this test, I finally decided to take action. One reason was because I have two small children and a wife at home and another is because I wanted to apply for more life insurance coverage. Over the next 7 months, here’s what I did to lower my cholesterol:
- Cut down on fast food to 1 or 2 times per week and even when eating fast food, I would avoid french fries and order a chicken sandwich or salad rather than a burger.
- Ate more vegetables, lots of salads for lunch.
- Ate Cheerios or oatmeal almost every morning for breakfast. Whole grains and oats are supposed to lower cholesterol.
- Started taking fish oil.
- Probably most important change I made was the vigorous exercise routine I started in January 2011 called P90x. It’s basically 90 days of butt kicking workouts.
My results were nothing less than amazing! On April 1st, 2011, I had lab work done for a life insurance application for Genworth, and my total cholesterol decreased 39 points to 189, a 17% decrease in just 7 months. Even more incredible was my triglycerides dropped from 274 to 115, an incredible 58% decrease! My hdl also increased by 6 points, and I lowered by glucose as well. My April 2011 results are below.
If you have high cholesterol or any other medical condition, you should call an independent agent like me. At Huntley Wealth we will evaluate your specific case to see which carrier can offer you the lowest price based on your particular situation.
Just give us a call at 877-443-9467 and we’ll get you the best quote available.*Written by Chris Huntley. Huntley Wealth Insurance and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.