Speak to a Live Person.    Call 800-442-9899

The Lowdown on High Cholesterol and Life Insurance

Is the Life Insurance medical exam dead?

By Byron Udell | March 1, 2016

What does cholesterol and life insurance have in common? Your cholesterol level is a major factor in how much you will pay for life insurance. To find out more, read on.

Unless you’ve been living on your own private island with no Wi-Fi, you’ve probably heard by now that your cholesterol levels are a huge indicator in determining your overall heart health. Cholesterol is the waxy gunk (also called “lipids”) in the fatty part of the blood. (Ew!) According to the Mayo Clinic, high cholesterol levels can increase your risk of heart disease.

At this point, you might be asking yourself: “What does this fatty crap have to do with life insurance?” The answer is: “Quite a lot, actually.” Having good cholesterol is one of the “checklist” items that underwriters use to determine life insurance eligibility and pricing. Not too long ago, if you had a combined level of HDL (good cholesterol) and LDL (bad cholesterol) of over 250, it was harder (or at least more costly) to get life insurance. (Bummer, right?)

But wait…news flash! Over the past few years, insurance carriers have been using the “Cholesterol/HDL Ratio” as the preferred gauge to determine an individual’s heart health. And who benefits from this shift in methodology? YOU! (At least maybe.)

So even if your total cholesterol is a higher-than-normal number, and you thought you’d never qualify for life insurance, you might be pleasantly surprised. Now that carriers are using the Cholesterol/HDL Ratio as the “gold standard,” more people just like you, may now be eligible for preferred best rates for quality life insurance. (Now you can start your happy dance.)

To find out more on this topic, watch this short, informative video. Howard Weissman, AccuQuote’s Medical Underwriting Expert, will tell you more about how you can get affordable life insurance, even if your cholesterol is less than perfect.

Everyone who has ANYONE depending on them financially needs life insurance. It’s an incredibly affordable way to ensure that your family’s financial future is protected when you die. And last time we checked, the odds of death are still 1 out of ONE. (We’re just sayin’.)

Questions about cholesterol and life insurance? We represent the top-rated, brand-name insurance companies you know and trust. Feel free to reach out to us. You’ll speak with a real live person! (Imagine that!) We’re here to help. And that’s coming straight from the heart.

We only work with highly rated insurance companies – brand names you trust. You may be able to save money without sacrificing quality and strength.