If you are shopping for life insurance with high cholesterol you’re in the same boat as millions of other Americans. The good news is you can very easily get preferred rates if your cholesterol is controlled with medication.
There are over 74 million people in the United States with high Low-Density Lipoprotein. This is otherwise known as LDL which is known as the bad version of cholesterol. Purchasing life insurance with high cholesterol is simple unlike years ago when this was considered a high risk condition.
Before we get into this article any further. I want to make sure you understand the very basic concept of HDL as the good form and ADL as the bad form of cholesterol.
Table of Contents
- Applying for life insurance with high cholesterol
- How life insurance companies consider this condition
- Will high cholesterol affect my life insurance rates?
- Can you get life insurance with high cholesterol?
- Foods to avoid with high cholesterol
- Will taking statin cholesterol medication increase my rates?
- What if my assigned rates come back too high to afford?
- How can I reduce my cholesterol naturally?
- The best companies to apply with
- The factors that cause high cholesterol
- Foods that lower cholesterol levels
- Applying over the telephone
- In Conclusion
To answer the simple question, can you get life insurance with high cholesterol? The answer is yes and usually with no problem at all. If your cholesterol levels are somewhere within the normal limits, you can get preferred rates considering your overall health is OK. If you limits are higher than normal you could be placed in Standard Plus or a Standard rating which is still fine.
If your cholesterol used to be high and your taking medication that is bringing it down to a normal level. That will work great also, just as long as your readings are within a safe level. The insurers are just concerned with high cholesterol cause artery restrictions which would lead to a fatal heart attack or stroke.
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. Heart disease kills more people than Cancer each year.
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.
The answer to this question can be either yes or no. If you have mild to moderate elevated cholesterol and it is controlled with medication you will probably see no increase in your premiums at all. Even if you cholesterol is slightly high and you don’t take any medication, you will probably still be able to qualify for preferred rates. Especially if you are applying with the best life insurance companies for high cholesterol.
If your condition is more severe and it is not being controlled with medication. Then you will see and increase in premiums by adjusting your health classification accordingly. Also being overweight and using tobacco products will add fuel to the fire. Having multiple health conditions at the same time will always trigger a higher rate increase and even sometime a flat out decline.
Taking medication to improve your condition is a good move. This actually shows the underwriters that you periodically see a doctor and try to improve your health. The person that has this condition and seldom sees a doctor without ever taking medication will have the problems. The insurance companies do not appreciate the idea of ignoring ones health. If at all possible, improve your diet, lose some weight and exercise more. This in many cases can eliminate your medical issue and the need for medications along with their side effects. Keep in mind that the Statin drugs used for elevated cholesterol have a long list of serious side effects.
If you apply for life insurance and for some reason your final rates come back too high, you would have a number of options. If we were your agents, we would find out exactly why they went up in the first place. It could be due to lab results, notes in your doctors records or something found in a Medical Information Bureau report. We could submit your application to multiple other life insurance companies and even ask for a re-consideration from the company you just applied with.
You will usually have several alternatives such as lowering the face amount or reducing the term period just to name a few. If the main problem is your degree of elevated cholesterol, then you will have to try to lower it naturally and then re-apply. See the paragraph below for reducing the intensity of your condition.
If you are diagnosed with this condition, the first step should always be an attempt to reduce your high cholesterol naturally such as:
Start Eating Heart Healthy Foods
- Eat more whey protein
- Increase your soluble fiber intake
- Increase you Omega-3 fatty acid intake
- Decrease or eliminate trans fats
- Reduce eating saturated fats
If You Smoke, Stop!
- If you stop smoking, your blood pressure and your heart rate both will be reduced in minutes.
- Your bodies blood circulation and respiratory system will increase within just a few months.
- The risk of a heart attack or coronary artery disease will be drastically reduced within a year.
- The risk of having a major stroke will be reduced by over 60% after six months.
Stop or Reduce Your Alcohol Intake
- Limiting your alcohol intake can increase your HDL cholesterol (good cholesterol) with a 1-2 drink a day maximum.
- Using too much alcohol can drastically increase the risk of heart disease, hypertension and stroke.
- If you consume a lot of alcohol, your chances of ever lowering your cholesterol is very slim.
If You Are Overweight, Lose a Few Pounds
- Try to eliminate sugar as much as possible. This include candy, soda pop drinks and many types of food you eats such as apples and oranges which contain a lot of sugar. Also many bread products contain a high degree of turning into sugar after eaten. The dangers of sugar in the body are intense and should not be overlooked.
- Get involved with cardiovascular exercises such as fast walking, jogging and just staying more active on your feet will help.
- Be careful of fattening foods such as fast food restaurants. Do some extensive research on what foods to eat and not to eat.
- Weightlifting is a great way to burn calories and burn off body fat.
It is very important to pay attention to foods to avoid with high cholesterol. You can reduce your bad LDL levels by just taking a moment to do some research about food on the internet. You can learn all about what foods to eat and what foods to stay away from in a matter of minutes. With all of the side effects of statin drugs, taking the bull by the horns and watching what you eat will really pay off. If you add more physical exercise to your lifestyle you can reduce it even more. When the smoke clears, you could be looking at perfectly normal cholesterol levels. Here is just a sample of foods to avoid. Remember, eating these foods in excess is where the cholesterol problems start.
- Egg yolk including whole eggs (eaten on a regular basis)
- Butter (if eaten in excess)
- Shellfish family of foods, examples: lobsters, oysters, and shrimp (eaten in excess)
- Beef and pork related limited to (fatty cuts of meat)
- Salmon and other fish known to be greasy and fried
- Cheese, cream, sour cream (unless the low fat versions)
- Organ related meat, such as liver which is the worst
- Bacon and sausage along with other (processed meats)
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. This is 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 especially for term life insurance.
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.
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.
There are many excellent life insurance companies that do a great job of underwriting applications for people with high cholesterol. As long as your condition is controlled, you should be able to receive prefered rates.
The Medical Symptoms
The bad part about this medical condition is it 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 it and don’t even know it. It is very similar to high blood pressure in that respect.
What is Total Cholesterol?
The meaning of the phrase “total cholesterol” is simply a measurement of the “total” amount of cholesterol on your blood system. The phrase entails both the low density lipoprotein (LDL) version and the high density lipoprotein (HDL). The LDL version is the bad version that can cause a blockage in the arteries of your body. This is one of the main causes of strokes and heart attacks.
Causes of Elevated Cholesterol
Cholesterol travel through your bloodstream 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 bloodstream. The low-density lipoprotein LDL otherwise known as the bad version spreads these particles completely through your body.
The dangerous LDL builds up in the walls of your arteries, making them hard and narrow to the point of blood flow restriction. This also promotes high blood pressure.
Remember, the HDL Version is Good for You!
On the other hand, the high-density type lipoprotein HDL. Also known as the good form 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 at all.
Inactivity, obesity otherwise known as being overweight and especially an unhealthy diet will increase high LDL cholesterol levels. 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.
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. Smoking will also add a tobacco rate to your rates which can increase by well over 200%.
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.
Being overweight or obese can greatly put you at risk of developing high cholesterol.
Not Enough Exercise:
Physical exercise will increase your body’s HDL. This will increase the size of the particles that make up your LDL bad cholesterol which makes it less harmful to your health.
Consuming too much saturated fats, found in animal related products. Also 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 levels.
Examples of Normal Levels 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. We can send your application to other companies is always an option.
- 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.
Telephone applications save a lot of time and make it very simple for all applicant. No one likes completing a lengthy paper application. Online applications are also a good way to apply but some people are not comfortable working with computers. About 95% of our applications are completed using the telephone application system. The application takes about 20 minutes from start to finish.
If you are looking for the best life insurance quotes, don’t allow the idea of having high cholesterol prevent you from finding the lowest rates and the best plan design for your specific needs. You will find that life insurance with this condition can be very affordable. Especially when you have a very good chance on getting preferred rates in the first place. You can contact us and get all the answers to your questions seven days a week.
All the best,
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