1. Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Yes, in most cases high cholesterol does effect the classification a person receives when applying for life insurance. However, companies do look at high cholesterol differently as they do not across the board class the same way for it. If working with an agent and you know you cholesterol score have them research which companies treat your score favorably. There can be quite a swing in classifications and cost depending on the company. I have moved several "standard ratings" because of cholesterol ratios to "Preferred" simply by their underwriting standards. Some underwrite cholesterol tightly, others not so much.
    Answered on April 10, 2013
  2. Peggy MacePRO
    COO and Senior Agent, Outlook Life, All 50 States
    High cholesterol can affect life insurance rates. It will have even more impact if you have other health conditions that are exacerbated by high cholesterol (like coronary artery disease), or if other health conditions are contributing to your high cholesterol (like anxiety, liver disease, diabetes, or uncontrolled sleep apnea). For health and life insurance reasons, it is a good idea to take whatever steps that you need to take to get your cholesterol in an acceptable range.
    Answered on February 8, 2014
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