Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

If you have high cholesterol, don’t let it prevent you from purchasing life insurance. Just like high blood pressure, having high cholesterol is also a common health condition among many people. If you have high cholesterol, you may still be eligible for very good life insurance rates.

All life insurance companies will have their own set of guidelines for approving life insurance with high cholesterol. It is generally uncommon for someone who is fairly healthy but has some degree of elevated cholesterol, to be declined for life insurance coverage.

If you have a history of high cholesterol and are seeking life insurance quotes, let us help you find the best rate. With a little information about you and your cholesterol history, we at Top Quote Life Insurance can search for the lowest life insurance rates. 

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Why High Cholesterol is a Concern to Life Insurance Companies

Life insurance is approved based on your overall risk to the life insurance company having to pay out a claim. Since high cholesterol is linked to increased risk of heart disease, it’s considered a greater risk to the life insurance company.

Taking precautions such as medications to correct or treat high cholesterol can lessen the risk to the life insurance company resulting in a better risk class and cheaper premiums.

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How the Life Insurance Company Determines Cholesterol

If you’re applying for a traditional life insurance policy that requires a medical exam, the exam will consist of questions regarding your health as well as a urinalysis and blood sample. The blood sample is what will provide the life insurance company with your overall cholesterol readings.

Cholesterol readings provide the life insurance company with your total cholesterol, HDL, LDL, and Triglycerides. The life insurance company will use these numbers to determine what risk classification you qualify for.

IMPORTANT NOTE:
Your HDL is the good cholesterol. When it comes to risk classifications, you want this number to be around 5.0 – 6.0 to be considered for the best life insurance classification.

What Effects Cholesterol & How to Improve it for a Better Life Insurance Rate

If you have high cholesterol and want to get the best life insurance rates, there are couple of steps you can take to achieve this.

Medications

Medications such as Simvastatin, Lipitor, Crestor, Zocor, Pravastatin are often prescribed to maintain healthy cholesterol levels. Taking high cholesterol medications will not affect your chances of getting great life insurance rates. These medications show the life insurance company that you are taking the necessary steps to control your high cholesterol and preventing heart disease.

Diet

Try your best to stay away from foods high in saturated fat. Saturated fats cause an increase in blood cholesterol levels. If you’re consuming a lot of fast food, try cutting back and adding more foods in your diet such as oatmeal, fish, nuts, avocados, olive oil and fruits. These foods are proven to lower bad cholesterol.

Exercise

Daily exercise can help lower your LDL (bad cholesterol) and increase your HDL (good cholesterol). Try doing at least 30 minutes of exercise daily to improve both your cholesterol and overall health.

Weight

Being overweight can increase cholesterol levels as well as lead to heart disease. Losing weight by both diet and exercise can improve your HDL (good cholesterol) and lower your LDL (bad cholesterol).

Quit Smoking

This one may not be as easy as the others but if you can quit smoking, not only will you improve your cholesterol levels, but you’ll improve your overall health as well as qualify for very cheap life insurance rates.

Risk Classifications for Life Insurance with High Cholesterol

In some cases finding the best price for life insurance with high cholesterol will require working with an experience life insurance agent. Top Quote Life Insurance has worked with several clients on getting the best price for their life insurance coverage with companies that have favorable cholesterol guidelines.

NOTE: Not all life insurance companies have the same cholesterol guidelines.

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Life Insurance Companies to Consider if you have High Cholesterol

Consider the following life insurance companies when using the instant life insurance quote form located to the right of your screen.

Preferred Plus – Treated or untreated cholesterol can get preferred plus with an overall score up to 300 and an HDL ratio up to 5.0 for males and 4.5 for females. If you fall within these guidelines select preferred plus and choose VOYA FINANCIAL.

Preferred – Treated or untreated cholesterol with an overall cholesterol score up to 300 and HDL ratio up to 6.0 for both males and females can qualify for preferred rates. If you fall within these guidelines select preferred health classification and choose PRUDENTIAL LIFE INSURANCE.

Standard Plus – Treated or untreated cholesterol with an overall score up to 300 and an HDL ratio up to 7.0 for both males and females can possibly qualify for standard plus rates. If you fall within these guidelines select standard plus health classification and choose PRUDENTIAL LIFE INSURANCE.

Standard – Treated or untreated cholesterol with overall score up to 300 and HDL ratio up to 8.0 for both males and females can possibly qualify for standard rates. If you fall within these guidelines select standard health classification and choose BANNER LIFE INSURANCE.

An Additional Life Insurance Option

If you have a history of high cholesterol and it’s been a while since your last evaluation, consider a no medical exam life insurance quote. No medical exam life insurance coverage does not require any lab testing when applying for coverage.

This option may be very beneficial in avoiding a possible sub-standard rating or possible decline due to uncontrolled high cholesterol levels.

Getting Life Insurance with High Cholesterol

Getting affordable life insurance coverage with high cholesterol is very possible. If you know your current levels and would like an instant life insurance quote, use the quote form located to the right of your screen and select the health classification you qualify for.

If you need assistance please feel free to send us a message with your request.

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