How Having High Cholesterol Can Affect Your Life Insurance Rate

For those who are planning to apply for a life insurance policy but are diagnosed with a high cholesterol level, this is for you.

Cases of high cholesterol have become widespread nowadays all over the world. In the United States alone, 33.5 percent of Americans have high levels of LDL or low-density lipoprotein, also known as the “bad” cholesterol. As such, the risk of heart disease is at an all-time high for all those 71 million Americans who have high cholesterol.

Given this unfortunate situation, those who are diagnosed with a high level of cholesterol but still want to apply for a life insurance are up for huge challenge. Find out how your medical condition can affect your policy and ultimately, your life.

Understanding High Cholesterol

Regardless of if you are physically fit enough for a reasonable life insurance policy, you still need your health checked as part of your life insurance policy application. Basically, this procedure gives insurance companies enough information to find out whether they would be willing to take the risk on you or not. They need to determine if you can live long enough to pay the policy premium up to maturity.

As part of the health examination required in your application, you need to undergo a blood cholesterol test. This test reveals if your cholesterol is high enough that it increases your risk of contracting any serious, life-endangering disease.


Having a high blood cholesterol level paves the way for you toward getting heart diseases, which is one of the leading causes of death in the United States. In fact, those who have high cholesterol are twice as likely to acquire heart disease as compared to those with a regular cholesterol level.

Whatever results come up, it affects various elements of your life insurance. Primarily, your cholesterol test results would reflect the amount of the claim you can get as your benefit and how much your premium would be to necessary keep the insurance policy enforced.

High Cholesterol vs. Life Insurance

Specifically speaking, when you undergo a cholesterol level test as part of your life insurance policy application, what insurance companies look at is your total cholesterol level. This includes LDL cholesterol, HDL cholesterol, and very low density cholesterol (VLDL). This information is important in determining the rates for your life insurance.

In order to qualify for the best rates for any policy, companies like Big Lou would want to see your total cholesterol level below 200-220 mg/dL and a ratio of total cholesterol/HDL at 5.0 or below. In some cases, if you do not initially meet the required level, you are allowed to take prescription drugs to make sure that you do keep your cholesterol levels controlled.


On the other hand, there are other companies that look at your cholesterol level prior to any medicine and base their decisions on the results of the premedication test. This is probably because only 1 out of every 3 adults with high LDL cholesterol can actually get their condition under control.

Then again, if your cholesterol levels go a little bit over the standard levels, you can still get a policy but at a different rate. Now, if your cholesterol level goes far beyond the acceptable rate even after taking in necessary medicine, you might still get approved. However, you might get the policy at a much higher rate, sometimes reaching up to 50 percent more than the regular rate.

Of course, if your test shows a critically unacceptable result (i.e. cholesterol level above 400), your life insurance application may just be rejected completely.

At the end of the day, the approval of your policy application it really depends on the company that wants to help with your desire to be insured. Keep in mind that the insurance industry is all about risk. The riskier you are for the company, the more likely you might be disqualified for the policy.

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