High Cholesterol Insurance Questions & Answers

How do life insurance underwriters view a person who has high cholesterol?

Obtaining life insurance for people with high cholesterol can be very challenging for someone with this medical condition because there are number of serious health issues which can occur.

The biggest risk seen by life insurance companies for people who have been diagnosed with high cholesterol is that the condition can lead to atherosclerosis.

This medical condition refers to the build up of plaque on the walls of the blood vessels, most notably the arteries and can result in a fatal heart attack or severely debilitating stroke.

How a life insurer will rate you can depend on a variety of factors in the criteria used to assess a person for a policy. High cholesterol is manageable and treatable. How a person responds to medication and makes changes in their lifestyle and dietary habits can significantly affect how a person is rated by an underwriter.

Some of the most important criteria that an underwriter will use when reviewing an application include age, weight and a person’s height. It will be equally important for the insurer to obtain any cholesterol exam results for the levels of LDL (bad cholesterol), HDL (good cholesterol) and triglycerides.

Other underwriting criteria which are taken into account can include your blood pressure, and lifestyle habits such as smoking and the amount of alcohol consumption. The underwriter will want o know when you were first diagnosed and whether the condition is under control and what type of medication has been prescribed.

Life insurance for a person with high cholesterol is obtainable but how they are rated can vary significantly.

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What are the health risks of high cholesterol?

High cholesterol can be a serious health condition that can result in causing coronary heart disease and can result in causing a fatal heart attack, or a stroke. The condition is also known as hypercholesterolemia.

High cholesterol can be hereditary and inherited. However, the condition is also caused by an unhealthy diet through the consumption of trans fatty acids found in various animal sources which raises the low density lipoproteins (LDL) levels. Eating habits and a sedentary lifestyle can also contribute to the development of high cholesterol levels.

The condition can be addressed medically through medication and in changes in dietary habits, and through a regular exercise regime.

Finding life Insurance with high cholesterol

Finding life insurance for people with high cholesterol can be challenging in finding an affordable policy depending how well a person is successful in managing their condition. A variety of factors will affect how a person is rated and the premium assessed. In more extreme cases, a traditional life insurance policy may even be declined altogether.

People who are seeking life insurance with high cholesterol should be aware that not every life insurance company will rate a person in the same manner because their approval criteria can vary significantly.

Life insurance companies use different criteria when it comes to cut off points for your cholesterol level test and in other areas such as age, weight and height. As a result, how a person is rated and the premium charged can vary quite substantially.