Agent Owner, Gilmore Insurance Services, Marysville, Washington State
High Cholesterol effects your efforts in purchasing life insurance by moving you away from the best possible class you could obtain, and if your level is high enough, a possible decline of coverage.
High Cholesterol has been linked to heart problems and other ailments. Elevated cholesterol levels could lead to a heart attack and an early death. Something an underwriter accounts for.
High cholesterol alone can affect life insurance by raising the rates, if the cholesterol numbers are very high. However, if even moderately elevated cholesterol is in tandem with some other health issues, such as diabetes or sleep apnea, it can cause a red flag that perhaps those other health conditions are not being well controlled.
If you are totally unaware of your cholesterol reading, you can get it checked before applying for life insurance, then ask your agent to find you the best possible rate that fits that number. If it is too high, it may be a good idea to start using a statin drug or other method to bring your cholesterol down before applying for a life insurance policy.
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High Cholesterol has been linked to heart problems and other ailments. Elevated cholesterol levels could lead to a heart attack and an early death. Something an underwriter accounts for.
If you are totally unaware of your cholesterol reading, you can get it checked before applying for life insurance, then ask your agent to find you the best possible rate that fits that number. If it is too high, it may be a good idea to start using a statin drug or other method to bring your cholesterol down before applying for a life insurance policy.