Getting Life Insurance with High Cholesterol


Cholesterol is one of the number one reasons many people don’t qualify for better life insurance rates.

Getting life insurance with high cholesterol at a great rate is possible, if you apply to the correct insurance company.

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.

Your total  cholesterol and HDL cholesterol are what most life insurance companies take into consideration for otherwise healthy people.

If you have heart issue, type 1 or type 2 diabetes or other health issues, then life insurance companies will take a closer look at your LDL and triglycerides in addition to the total and the HDL.


So what is the ideal total cholesterol and HDL cholesterol level 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 have shown 2 rates for each risk classification above as every life insurance company can have slightly different guidelines.

We have been able to help otherwise very healthy people get exception and offered preferred plus rates even when their cholesterol/HDL ratio was as high as 5.9 or preferred rates for cholesterol/HDL ratio up to 6.9.


If your cholesterol/HDL ratio is above 8.0, you’ll most likely be “rated” and charged an additional premium or you could be declined until your cholesterol is under better control.

Most life insurance companies don’t care if you take medication to lower your cholesterol.  As soon as your cholesterol levels are good, with or without medication, you could get best rate possible !

So while shopping for life insurance, just keep in mind that if you have not checked your cholesterol recently and you just apply for the 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 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 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.

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.

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 below to get accurate quotes.


If you’d like to see just some of the 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.

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