There are over 74 million people in the United States with high Low-Density Lipoprotein otherwise known as LDL which is known as the bad version of cholesterol. Less than 1 out of every 3 people with high LDL has their condition under control. The bad part about these statistics is less than half of these people are getting medical treatment for their high cholesterol which means that many people are going untreated for this dangerous medical condition. This article is going to concerned with how to buy life insurance with low rates for people with high cholesterol. This is a very common high risk medical condition in the United States but you can still purchase low cost Term life insurance with preferred rates despite your high cholesterol issues if your condition is kept in check with medication..
We are well aware of the fact that this condition is detrimental to your health, but it also contributes to higher life insurance premiums as well.
You can definitely get affordable life insurance for people with high cholesterol. This can be a simple process if your HDL and LDL levels are in the normal range. This usually requires more physical exercise, eating habit changes and possibly high cholesterol prescription medication. Many people in the United States have high cholesterol but do not even know it. This is because they never go to the doctor and get periodic blood work to show their cholesterol levels.
Commonly eaten foods such as fried chicken, cheeseburgers, French fries, onion rings, beef sandwiches, corned beef, cheese, sausage, steak and many types of fried foods can increase your cholesterol to a dangerous level. It does not take much to develop this condition so be careful what you eat.
We first need to know more about what exactly is high cholesterol to fully understand how the life insurance companies react to it.
Cholesterol is commonly known as a waxy substance that’s found in the fats otherwise known as Lipids in your blood. Even though your body needs cholesterol to continue to build healthy blood cells, having too much high cholesterol can drastically increase your risk of heart disease. Heart disease is the number one killer in the United States.
When an individual has high cholesterol, they may develop dangerous fat deposits in their blood vessels. As time goes by, these deposits make it very difficult for ample blood to flow through their arteries. A heart that does not get enough oxygen-rich blood will increase the risk of a heart attack. Also, a shortage of blood to one brain can cause a stroke. Strokes can be as quick and fatal as heart attacks.
High cholesterol can be inherited, but it’s often the result of unhealthy lifestyle choices, and thus preventable and treatable. A healthy diet, regular exercise and sometimes medication can go a long way toward reducing high cholesterol.
Here are some excellent companies we use for our clients with high cholesterol.
Banner Life – This is one of our favorite companies that offers folks Preferred Plus rates if you have a cholesterol ratio of no more than 4.5, with a total level not exceeding 300. Ratios over 4.5 but under 5.5 can qualify for Preferred rates which is still an excellent rate class. Keep in mind that Preferred Plus rates are going to be limited to people in excellent health. Those under 6.5 are eligible for Standard Plus. Standard rates are offered to those with high ratios that are still under 8.0, with total cholesterol levels still below the range of 300. Banner Life is one of the most competitive carriers in the life insurance market.
ING – Men with ratios under 5.0 (with total cholesterol below 300) can qualify for their Preferred Plus rates, while women under 4.5 are eligible for the same rates. The requirements get tighter for their Preferred rates, with 5.5 being the limit for men and 5.2 being the limit for women. Those with ratios no higher than 6.0 can still qualify for their Standard ratings.
Prudential – Applicants with ratios of no more than 5.0 are eligible for Prudential’s Preferred Plus rates, while those with a ratio of no more than 6.0 will be placed in their Preferred rate class. Those with ratios no higher than 7.0 are eligible for Standard Plus. This company allows total cholesterol levels for all of their health classes to go up to a maximum of 300. For many, Prudential is an excellent choice since they are more liberal with their requirements than most other companies.
We work with over 40 trusted life insurance companies so we can be sure to shop the market thoroughly for the lowest rates possible for the best life insurance with high cholesterol. Take a moment to read our article on the top 12 life insurance companies.
What are the usual symptoms of high cholesterol?
The bad part about this dangerous medical condition is high cholesterol actually has no symptoms at all. Only a blood test will detect high cholesterol. The lack of symptoms is why so many people walk around with high cholesterol and don’t even know it.
Here are some of the causes:
Cholesterol travel through your blood stream and attaches proteins in your blood. This combination of proteins and cholesterol is referred to as lipoprotein. The different types of cholesterol are based on what type of cholesterol the lipoprotein carries throughout the blood stream. The low-density lipoprotein LDL otherwise known as the bad version of cholesterol LDL, spreads a type of cholesterol particles completely through your body. The dangerous LDL cholesterol builds up in the walls of your arteries, making them hard and narrow to the point of blood flow restriction.
On the other hand, the high-density type lipoprotein HDL also known as the good form of cholesterol consumes the excess cholesterol and takes returns it back to your liver which is a good thing. Many people do not know that there is actually a good form of cholesterol.
Inactivity, obesity otherwise known as being overweight and especially an unhealthy diet will contribute to high LDL cholesterol and low HDL cholesterol levels putting you in great risk for a heart attack or stroke. This medical condition can also be passed down through your genes by your parents and actually inherited in simple terms.
Here are some factors that can contribute to causing a high cholesterol condition.
*Smoking – All forms of smoking can damage the interior walls of your blood vessels. If this occurs, they can quickly accumulate fatty deposits. Smoking also has been known to lower your level of HDL, otherwise known as the good form of cholesterol.
*Diabetes – High blood sugar caused by Diabetes contributes to higher LDL lower HDL cholesterol. High blood sugar contents can severely cause damage the lining of your arterial walls.
*Obesity – Being overweight can greatly put you at risk of developing high cholesterol.
*Not Enough Exercise – Physical exercise will increase your body’s HDL, increasing the size of the particles that make up your LDL bad cholesterol which makes it less harmful to your health.
*Unhealthy Diet – Consuming too much saturated fats, found in animal related products, and fats found in commercially baked cookies can raise your cholesterol level. Foods that are high in cholesterol, such as red meat such as beef and pork and fatty dairy products can also increase your total cholesterol levels.
What can be done to secure the best life insurance rates for people with high cholesterol?
The best step to take is go to the doctor for a complete physical and if any medical conditions arise, start taking the steps to keep them under control or eliminate them all together. If you discover that you have a high cholesterol situation do what you have to do in order to reduce your cholesterol readings and then keep them in check. When you apply for life insurance you will be receiving a blood test that will actually look for abnormalities in your cholesterol levels.
Know your cholesterol levels before you apply for life insurance. The last problem you want is to apply for life insurance only to find out you have high cholesterol and show you are doing nothing to keep it under control. The life insurance companies put a lot of weight on your everyday maintain of your cholesterol. People with high cholesterol are recommended to get an annual blood test.
When you apply for a life insurance policy, you will be asked questions about your family history pertaining to a history of medical conditions, your everyday lifestyle, smoking and alcohol consumption. The para-med nurse performing the exam will measure your height, weight, pulse, and blood pressure. You will have to provide a blood sample which will be tested for your cholesterol and lipid levels, among many other possible conditions.
What do life insurance companies look for on your application?
Life insurance companies pay close attention to people with high cholesterol that are taking the proper precautions to keep it under control. A medical history of regular medical checkups is very important to the life insurance companies.
The life insurance company will be looking closely at:
*When were you first diagnosed with high cholesterol?
*Is your high cholesterol being controlled and in a safe range?
*Do you have any other medical conditions present?
*Do you use smoking related tobacco products?
Tips for preparing for your para-med visit.
As far as your cholesterol goes, make sure you stay away from greasy type foods such as pizza, cheeseburgers, French fries and greasy bakery such as doughnuts. This will be simple common sense.
Make sure to have a fairly recent blood test indicating your control of the high cholesterol so there are no surprises once the application starts. If the results are not good, take action to improve them. The last problem you will want is having your application declined due to excessive or out of control cholesterol and triglycerides.
Limit the consumption of alcohol related drinks such as beer, wine, whiskey and other such alcoholic beverages. Alcohol can create a fatty liver and also increase your cholesterol readings just by themselves.
Here is a breakdown of what would be considered a good normal level of cholesterol.
Total cholesterol Less than 200 mg/dL
LDL “bad” cholesterol Less than 100 mg/dL
HDL “good” cholesterol 40 mg/dL or higher
Triglycerides Less than 150 mg/dL
If you can fall into readings such as these with or without cholesterol medications, you will be in good shape once you start your application process. For some reason if the insurance companies offer for life insurance is not as good as expected and application with another company is always an option.
Here are some foods that naturally lower cholesterol.
*Oats – Such as Oatmeal, oat based cereal like the big favorite, Cheerios.
*Barley & Whole Grains – Such as Oat Bran related foods.
*Beans – Such as navy and kidney beans to lentils, garbanzos, black-eyed peas, and others.
*Eggplant & Okra – These two foods are low-calorie vegetables that are good sources of soluble fiber.
* Nuts – Eating almonds, walnuts, peanuts, and other nuts is good for the heart. Eating 2 ounces of nuts a day can slightly lower LDL. Nuts also have additional nutrients that protect the heart.
* Vegetable oils – Consuming liquid vegetable oils such as canola, sunflower, safflower, and others in place of butter or shortening when cooking can lower LDL.
* Apples, grapes, strawberries, citrus fruits are rich in pectin, a soluble fiber that helps lower LDL.
* Soy – Putting soybeans and foods made from them, like tofu and soy milk on your menu is an excellent way to lower cholesterol.
A pre-screen of your medical history can provide an accurate projection of what your final rates will be.
The majority of the time if your rates change after the underwriting process has be completed, it will be from your health history and medications used. Medical conditions can increase your premiums so it is a very good idea to perform a 10-minute pre-screen to see what company will offer you the lowest possible rates. All the life insurance companies vary in their application underwriting process.
Choosing the correct company can make a considerable difference when trying to secure the lowest Term life insurance rates. Permanent life insurance such as Universal Life and Whole Life works the very same way.
A fully underwritten life insurance application can usually take 4-8 weeks on an average to complete.
If your Doctor’s office sends your insurance company a copy of your medical records promptly, it could easily take less time. The life insurance companies request medical records from your Doctor and pay them for their time to put an Attending Physicians Statement. This will be one of the main sources of information the insurance company will use to determine what your rate class will be.
Working with an experienced independent agent will make purchasing life insurance a simple & easy process.
Comparing Term life insurance quotes online is a very simple process with the help of an independent life insurance agent or broker to help you. Take advantage of our websites life insurance quote engine to compare Term life insurance quotes online. You can review over 40 of the most competitive life insurance companies doing business in your state. Don’t hesitate to give us a call toll free 7 days a week with any questions you may have with no obligation. Visit our About Us page to learn more about us and our business. Thank you for taking the time to read this blog post!