Cholesterol is one of the number one reasons many people don’t qualify for better life insurance rates.
Getting affordable life insurance with high cholesterol at a great rate is possible, if you apply to the correct insurance company using a good independent life insurance agent.
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 life insurance carriers have liberal cholesterol guidelines compared to the rest of the insurance industry, which can improve your chances of getting a better offer.
Life Insurance Underwriting And High Cholesterol
Your total cholesterol and HDL cholesterol are what most life insurance providers take into consideration for otherwise healthy people.
If you have a history of heart disease, type 1 or type 2 diabetes or other health issues, then life insurance companies will take a closer look at your LDL cholesterol (i.e. bad cholesterol) and triglycerides in addition to the total cholesterol and the HDL ratio.
What is ideal total cholesterol and HDL ratio to get best life insurance rate?
Even though a total cholesterol level of 180 mg/dL is considered optimal, some aggressive insurance companies allow up to a 300 total cholesterol level to still qualify for their lowest “Preferred Plus” rate as long as the HDL cholesterol is good.
An optimal HDL cholesterol is considered 60 mg/dL or higher, but life insurance companies place a big emphasis on your cholesterol/HDL ratio which is determined by dividing your total cholesterol by your HDL cholesterol.
Most life insurance companies will offer you the following risk classifications as long as your cholesterol/HDL ratio does not exceed:
4.5 or 5.0 for Preferred Plus
5.5 to 6.0 for Preferred
6.5 to 7.0 for Regular Plus
7.5 to 8.0 for Regular
We’ve shown 2 rates for each risk classification above since insurance providers have slightly different guidelines.
Can Take A Little Fight To Get Life Insurance Costs Reduced
Keep in mind, no life insurance providers will just give you a better offer unless you and your agent put some pressure on…
The reason is that high cholesterol increases your risk for heart disease and other cardiovascular related health conditions.
Having no familial history of heart attack, heart disease or other cardiovascular disease can also help to improve your insurance cost if cholesterol affects your life insurance approval…
We have been able to help otherwise healthy people with good family history to get exception and get lower preferred plus insurance premiums even when their cholesterol/HDL ratio was as high as 5.9 or preferred rates for cholesterol/HDL ratio up to 6.9.
Best Life Insurance Companies For High Cholesterol
Let’s take a look at some of the most competitive term life and permanent life insurance companies guidelines on maximum total cholesterol and cholesterol/HDL ratio to qualify for Preferred Plus to Standard rates below:
Preferred Plus Preferred Regular Plus Regular
Lincoln National (age 0-69) 300/5.0 300/6.0 n/a not published
Lincoln National (age 70+) 300/5.5 300/7.0 n/a not published
Global Atlantic (ages 71+) 280/5.5 300/6.5 not published not published
Global Atlantic (ages 0-70) 260/5.0 270/6.0 270/6.5 not published
Security Mutual (ages 66+) 250/5.5 260/6.0 270/7.0 not published
Security Mutual (ages 41-65) 240/5.0 250/5.5 260/6.5 not published
Zurich Life (ages 51+) 240/5.5 270/6.0 280/6.5 not published
Zurich Life (ages 0-50) 220/5.0 250/5.5 280/6.5 not published
Transamerica (ages 71+) 230/5.5 260/6.0 300/6.7 na/7.5
Transamerica (ages 0-70) 230/5.0 260/5.5 300/6.2 na/7.0
Prudential (all ages) 300/5.0 300/6.0 300/7.0 not published
United of Omaha (all ages) 300/5.0 300/6.0 300/7.0 not published
Principal (ages 65-85) 260/5.0 280/6.0 300/7.0 not published
Principal (ages 20-64) 240/4.5 270/5.5 300/6.5 not published
SBLI (males only) 300/5.0 300/5.5 300/6.5 300/7.0
SBLI (females only) 300/4.5 300/5.0 300/6.0 300/7.0
American National (ages 61+) 300/5.0 300/5.5 300/6.0 not published
American National (ages 0-60) 300/4.5 300/5.5 300/6.0 not published
AXA (all ages) 300/5.0 300/5.5 300/6.0 not published
Brighthouse/Met (ages 70+) 240/5.0 300/5.0 300/7.0 not published
Brighthouse/Met (ages 55-69) 230/4.5 280/5.0 300/6.0 not published
Brighthouse/Met (ages 0-54) 220/4.5 240/5.0 280/5.5 not published
Nationwide (ages 71+) 270/4.5 280/6.5 n/a not published
Nationwide (ages 18-70) 240/4.5 250/5.5 n/a not published
American General/AIG (all ages) 215/5.0 245/6.0 260/7.0 260/7.0
American General/AIG (all ages) 300/4.5 300/5.5 300/6.5 300/6.5
Banner Life (all ages) 300/4.5 300/5.5 300/6.5 300/8.0
Cincinnati Life (all ages) 240/4.5 250/5.0 280/6.0 not published
Protective Life (all ages) 275/4.5 275/5.5 n/a not published
Minnesota Life (all ages) 240/5.0 260/6.0 300/7.0 not published
How Cholesterol Affects Life Insurance Rates
As you can see from above, the guidelines can vary greatly from company to company and depending on what age bracket you’re in…
If your cholesterol/HDL ratio is above 8.0, you’ll most likely be “rated” and charged an additional premium or some life insurance carriers may automatically disqualify you until your cholesterol is under better control.
Most life insurance companies don’t care if you take medication to lower your cholesterol or if you just do it with diet and exercise. As soon as you lower cholesterol levels, with or without medication, you could get a better rate class!
Keep in mind that if you have not checked your cholesterol recently and you just apply for life insurance expecting the best rates, you may be unpleasantly surprised if the medical exam results show you have cholesterol risk factors.
No Medical Exam Insurance With High Cholesterol
If you’re concerned about being diagnosed with high cholesterol on a medically underwritten insurance application, you may want to first apply for a no medical exam life insurance policy.
Just remember that even the best no exam life insurance companies can order your medical records to verify info, and they’ll check the MIB for your previous application history and pharmacy records database as part of the underwriting process.
Insurance underwriters have many ways of finding out about even any preexisting conditions, like past cholesterol and blood pressure issues, so your life insurance premiums could even be higher on a no exam life insurance policy.
Can You Get Life Insurance With High Cholesterol?
Of course you can. But as you can see by now, cholesterol levels affect life insurance premiums.
If you don’t qualify for the lower rates you’re expecting because of cholesterol or cholesterol ratio, make sure to get a copy of your insurance exam lab results.
Some companies that show up with lowest rates in any life insurance comparison have what we call “teaser rates” for which they don’t expect many people to qualify. If you haven’t had a blood test in a while, we’d recommend avoiding these companies.
Total Cholesterol Can Fluctuate Over Short Time
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 can get any insurance company to reconsider and make better offer even with a recent past history of high cholesterol.
Just remember that the longer you fast prior to your blood test and a low fat and low cholesterol healthy diet for several days prior to your blood test can help you to achieve better cholesterol.
Bottom Line- Insurance Coverage With High Cholesterol
If you’ve been offered a higher life insurance rate in past due to cholesterol or you’d like to apply for the first time, run a quote request using the link ABOVE to get accurate quotes.
If you’d like to see just some of the best term life insurance and universal life insurance companies we can offer you, feel free to complete the “Instant Life Insurance Quotes” form on the right hand side of this page.
You may or may not be able to qualify for any of these instant quotes, but using the “Accurate Cholesterol Insurance Quote” link above will enable us to quote you accurate rates.
Please also feel free to call us at 1-800-380-3533 or click here to email us if you have any questions or if you need more information.
We’ll also give you more tips on how to get the best cholesterol reading and results on your insurance exam.