Underwriting High Cholesterol (Hypercholesterolemia)
Total cholesterol is calculated by adding your HDL, LDL and triglycerides. Doctors usually believe that total cholesterol above 200 is high or elevated. Meanwhile, insurance companies will often accept applicants with a total cholesterol of 275 or 300 at Preferred Best rates. This is because insurance companies evaluate your cholesterol levels rather than just looking at the number.
To calculate the ratio, take your total cholesterol and divide it by your HDL number. So a higher HDL can compensate for high LDL levels.
The American Heart Association recommends that people keep their percentage below 5. In order for your cholesterol not to affect your life insurance rates, insurance companies want to see a ratio below 6.9. For example, applicants with high total cholesterol of 300 (considered high by doctors) and HDL of 82 may still qualify for an affordable life insurance policy.
That being said, if you have any associated medical conditions such as pre-diabetes, hypertension (high blood pressure) or coronary heart disease, then your HDL levels do not help much. High cholesterol in combination with a related risk factor is likely to be tabulated. A table rating means that your risk is higher than average and your premiums will be a certain percentage above the standard interest rate.
Getting an affordable life insurance with high cholesterol
High cholesterol is very treatable. Changes in diet and exercise and avoiding tobacco can have a significant positive impact on your health. Healthy changes can not only bring your cholesterol levels to a healthy range in the long run but reduce the risk of developing serious health problems in the future, such as cardiovascular disease.
If you know your cholesterol levels, you can enter this information in our quotation tool to see what prices different life insurance companies can offer you. If you do not know your cholesterol levels, you can simply leave that part blank. The blood sample from the life insurance's medical examination gives these figures to the insurance company.
If you currently have high cholesterol, your best chance of getting affordable life insurance is to apply through a broker. Here at Quotacy, we work with over 25 of the country's best life insurance companies.
Life insurance companies do not guarantee high cholesterol in the same way. And not only that, but they also prescribe specific medications to treat cholesterol differently. At no extra cost, we can shop around your case to find the best insurer for your specific situation.
Quotacy has many years of experience in obtaining customers' life insurance, including those with high cholesterol. Our in-house insurer has worked in the home offices of many transportation agencies, knows how to navigate each individual's medical history and knows which life insurance company would be the best option for your individual case. If you are ready to buy life insurance, get a quote on life insurance now and let's start the process.