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 is their second and third best offers.
That is why it is important to shop around and make sure you use a carrier that is more lenient to your cholesterol issues.
How Much is Life Insurance 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.
How Will Cholesterol Medication Affect my Life Insurance Rate?
There are a handful of companies that will still give you the best health rating, even if you take medication to control hyperlipidemia.
How I Lowered My Cholesterol for a Life Insurance Exam
I’ve had a problem with high cholesterol for about 5 years now. The first time I became aware of the problem was when I applied for a life insurance policy with Banner Life in 2006.
As a young, healthy man, only 26 years old at the time, I expected to qualify for their best rating. But I didn’t! I was rated down from Preferred Plus to Preferred because my cholesterol was too high.
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).
After this test, I finally decided to take action.
One reason was that 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 the 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.
Get the Best Life Insurance Premium with High Cholesterol
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 888-603-2876 and we’ll get you the best quote available.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.