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Cholesterol is one of the number one reasons many people don’t qualify for the lowest term life insurance rates.
If you have high cholesterol and need life insurance or have ever been approved for a higher rate due to high cholesterol, we’ve got some great news for you.
A couple quality insurance companies have extremely liberal cholesterol guidelines right now compared to the rest of the insurance industry.
One of these companies allows up to a 300 total cholesterol level to still qualify for their lowest “Preferred Plus” rate as long as the HDL cholesterol is good. A total cholesterol level this high and that can still qualify for best rate was unheard of in recent past.
If you have not checked your cholesterol recently and you just apply for insurance with any company that has best rates at your particular age, you may be unpleasantly surprised if the rate comes back significantly higher than you were expecting. Some companies that show up with lowest rates in any comparison require total cholesterol to be 200 or less to qualify for their lowest rates.
Based on our experience of getting insurance for thousands and thousands of people, we’re confident in saying that most people that apply DO NOT have total cholesterol levels of 200 or less.
Total cholesterol can fluctuate daily due to diet. So if you have had an abnormally high reading on the free insurance exam, we’ll recommend getting a retest and we’ll get the insurance company to reconsider and make better offer if cholesterol is better on retest.
If you’ve been offered a higher life insurance rate due to cholesterol, run a quote request to see the best rates available to you and then we’ll help you determine the insurance company that will offer you the best rate. We’ll also give you tips on how to get the best cholesterol reading on your free insurance exam.
