If you are looking for high cholesterol life insurance or life insurance with high cholesterol, there are many options available to you. We specialize in healthy to high-risk life insurance underwriting.
What this means to you is that we have access to the top-rated life insurance companies that will view your high cholesterol more favorably.
Why do insurance companies care about high cholesterol?
High cholesterol levels are an indicator you have a high risk for heart disease. When the life insurance company considers you a higher risk, they will charge you higher life insurance premiums.
What is cholesterol?
Cholesterol is a waxy type substance created by our bodies to keep us healthy. Our bodies produce some cholesterol, and other forms of cholesterol come from the food we eat.
There are two types of cholesterol, good cholesterol, and bad cholesterol. HDL is the good cholesterol, and LDL is the bad cholesterol. Too much or too little of each type, or improper levels of each type, can contribute to early heart disease, stroke, or heart attack.
HDL cholesterol plays a significant role in keeping LDL cholesterol from sticking to your artery walls. Healthy levels of HDL have been shown to help protect against strokes and heart attacks.
Low levels of HDL can contribute to a higher risk of heart disease.
LDL cholesterol is naturally produced by the body. Some individuals inherit genes from parents and family members that cause their bodies to create more LDL. As the LDL-cholesterol circulates in your bloodstream, these higher levels of LDL may clog arteries, increasing your risk of a stroke or heart attack.
How can I reduce the level of LDL cholesterol?
Studies show regular physical activity contributes to the production of more HDL in your body. This will naturally help reduce the LDL cholesterol levels in your body.
Eating a healthy and balanced nutritional diet and reducing trans fats is another way to increase HDL. Because managing your cholesterol levels is essential to your health, your doctor may prescribe medications to help lower your LDL blood cholesterol levels.
Every individual is different, so work with your physician to find a treatment plan that is best for you and your body.
Why are the insurance companies worried about cholesterol?
More than 71 million Americans have elevated cholesterol levels. Only one in three people with high cholesterol have their cholesterol in control. People with high cholesterol are approximately twice as likely as a healthy person to have heart disease.
Women often have higher levels of cholesterol than men in the US. For American adults, the average cholesterol level is 200 mg/dl, which is borderline high risk for high cholesterol complications.
Because high cholesterol contributes to strokes and heart attacks, insurance companies are very concerned about this medical condition. Although your levels of cholesterol may be slightly elevated now, if an insurance company issues you a 20-year policy, they’re concerned that what your cholesterol will be in the coming years.
What other things do the insurance companies consider when issuing a high cholesterol life insurance policy application?
Insurance companies want to know your lifestyle, smoking and alcohol usage, and family history. They also want to know your age, height, weight, and other medical questions.
Although you would think the life insurance companies would be concerned if you are taking high cholesterol medications, they are more concerned if you’re not taking medications if you have high cholesterol.
Insurance companies will also want to see that you’re actively managing your cholesterol levels and following your physician’s medical treatment plan.
Insurance companies will also want to know:
- How long have your cholesterol levels been high?
- Your success in controlling your cholesterol levels with medication, diet, and exercise
- Any other medical conditions affecting your body
- Tobacco use
- If you’re following your doctor’s medical treatment plan
- If your medical records are being regularly updated (to help determine your level of control)
- Any other medical complications (high blood pressure, thyroid, diabetes, etc.)
Where do I go from here?
Call us so we can get a little more information about you to get you an accurate life insurance quote. We can get life insurance with high cholesterol; our job is to get you the best-priced life insurance you will qualify for.
Once we get your life insurance policy in place, we can do more shopping for you.
If your cholesterol numbers go down and your lab results get better, we will contact other insurance companies to see about getting you even better rates.
If you have been diagnosed with high cholesterol, call us to help you understand your high cholesterol life insurance approval options.
At Life Wealth Win, we specialize in healthy to high-risk life insurance cases. We can help you understand your life insurance options with high cholesterol.
We work with clients across the nation to get the best life insurance rates possible. If you have high cholesterol, we can help you get the best life insurance rates.