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How does High Cholesterol or Taking Cholesterol Medication Affect my Life Insurance?
Treated High cholesterol or taking cholesterol medication can undoubtedly make getting life insurance more difficult. Luckily, our company reviews can help you sort out the best life insurance companies for your condition, such as Banner Life Insurance Review.
High cholesterol often is associated with blood pressure issues, inactivity, obesity, smoking, family history, and other things that can negatively impact your life insurance rates. However, it is still possible to find reasonable rates. Furthermore, in some cases, a person with type 1 and type 2 diabetes, will be given a cholesterol and blood pressure medication cocktail to keep blood levels in normal range.
How does my Exact Cholesterol Number Affect my Life Insurance?
Of course, the higher your cholesterol number, the fewer offers you will receive. What you need to do is find out which life insurance companies have more lenient underwriting for those with high cholesterol or those taking cholesterol medication.
Without doing this, you may find that most companies consider you a high risk for life insurance, and your rates will be absurdly high. At PinnacleQuote, we can find which life insurance companies will go the easiest on you, considering your cholesterol number. If your cholesterol is high and unmanaged, your considered special risk to most insurance companies. However, not in comparison with getting a life insurance after DUI.
What about Cholesterol Medications and the Insurance Underwriters?
For those with high cholesterol or for those taking cholesterol medications, you’ll need to answer several questions before any company will accurately provide a rating class decision about your life insurance. There are so many different cholesterol medications. In fact, these medications come with various side effects.
Even if you are taking cholesterol medication, you can still find decent rates. In fact, it’s much better to take medication that controls your cholesterol or blood pressure, than to not takes medication and have fluctuation cholesterol or blood pressure. Each life insurance company has a different underwriting for health conditions, meaning it’s essential to shop around and find the best option for you. Above all, if you in your 40’s, you will want to get a 20 year term life insurance policy. This should provide enough time to get you to retirement. Those looking for life insurance for smokers, some studies have proven that there is a direct impact on cholesterol if you smoke.
What if my Life Insurance Rates are too High?
If you’re having difficulty getting a fair quote, consider the following:
- First, what can you afford? It’s helpful to break down your monthly budget before choosing a life insurance plan.
- Next, if you are having trouble affording any permanent life insurance policies, consider looking at term life insurance policies.
- You have the power to lower your rates! All you need to do is live a healthier lifestyle: quit smoking, exercise more, eat healthier, etc.
- Finally, you can always go with Guaranteed Issue life insurance policies. They can be expensive, but they often come with excellent death benefits.
Finding cheap life insurance with high blood pressure and high cholesterol can undoubtedly be difficult. We can’t stress enough how much of an impact it is leading a healthier lifestyle can have on your health insurance rates. In fact, specific foods can even help lower your cholesterol! Life insurance for seniors over 75, with cholesterol issues, really will not have an impact on the rate if ratios and overall HDL/LDL is within range.
What’s the Difference Between Dietary Cholesterol and Blood Cholesterol?
Cholesterol, like most things to do with our body, is still being researched. For example, up until recently, you may have heard about certain breakfast foods that can poorly affect your cholesterol. Well, this was proved false.
Dietary cholesterol should not be of concern. Instead, it is the cholesterol in your blood that life insurance companies want to know. In fact, some cholesterol is necessary for us to remain healthy, as it has several essential functions. Check out these Dietary Guidelines to learn more.
Most Life Insurance carriers will not a good rating class with under a 300 cholesterol level. However, cholesterol over 300 will have an impact on the rate. Optimal cholesterol is under 240, so is 240 cholesterol high? Not in the eyes of most top life insurance companies. The medical term for high cholesterol is lipid disorder, hyperlipidemia, or hypercholesterolemia.
Increased Health Risks Caused By High Cholesterol
High cholesterol increases the threat of different conditions. Relying on which blood vessels are narrowed or blocked can become a problem.
Some of these diseases include:
Coronary Heart Disease
The primary danger associated with excessive LDL cholesterol is coronary heart disorder (CHD). Your blood LDL cholesterol degree has plenty to do together with your possibilities of having heart disease. In case your cholesterol is just too excessive, it builds upon the walls of your arteries. Through the years, this buildup is called atherosclerosis. This circumstance reasons arteries to turn out to be narrowed. Moreover, the narrowed blood vessels reduce blood waft to the coronary heart. This may bring about angina (chest pain). However, not enough blood goes with the flow attending to the coronary heart. Which may result in a coronary heart assault in cases when a blood vessel is blocked absolutely and the coronary heart muscle starts to die.
A stroke happens when a blood vessel that carries oxygen and vitamins to the brain will become blocked or bursts. A stroke can end result if the blood supply to the mind is reduced. whilst stroke occurs, a part of the mind cannot get the blood and oxygen it wishes, so it starts off evolved to die.
Peripheral Arterial Disease
High LDL cholesterol also has been related to peripheral arterial sickness (PAD), which refers to illnesses of blood vessels that are outside the coronary heart and mind. In PAD, fatty deposits building up along artery walls and have an effect on blood circulate, especially in arteries leading to the legs and toes. The arteries of the kidney can also be affected.
Other Health-Related Risks
Type 2 Diabetes
Type 2 diabetes is another disease linked to high LDL cholesterol due to the fact diabetes can affect the specific cholesterol levels. even if blood sugar control is right, human beings with diabetes generally tend to have improved triglycerides, reduced excessive-density lipoprotein (HDL), and every so often increased low-density lipoprotein (LDL). This will increase the probability of developing atherosclerosis.
High Blood Pressure
Excessive or high blood pressure (hypertension) and excessive LDL cholesterol also are linked. while the arteries grow to be hardened and narrowed with LDL cholesterol plaque and calcium (atherosclerosis), the heart has to stress plenty tougher to pump blood through them. As an end result, blood strain will become abnormally high.
More risk factors
Other elements which could increase your chance of high LDL cholesterol encompass:
Bad Eating/Poor Diet
Eating saturated fats, determined in animal merchandise, and trans fat, observed in some commercially baked cookies and crackers, can boost your cholesterol stage. Meals which are high in LDL cholesterol, along with pork and complete-fats dairy products, can even increase your general LDL cholesterol.
Being Overweight and having a body mass index (BMI) of 30 or more places you at risk of high LDL cholesterol.
(LWC)Large Waist Circumference.
Your chance will increase if you are a man with a waist circumference of as a minimum forty inches (102 centimeters) or a lady with a waist circumference of at least 35 inches (89 centimeters).
Not Exercising or Working Out
Having a gym membership and working out will assist in lowering your body’s HDL. In addition, “proper,” LDL cholesterol at the same time as growing the scale of the debris that makes up your LDL. LDL cholesterol, which makes it much less dangerous.
Cigarette smoking damages the walls of your blood vessels, making them likely to accumulate fatty deposits. Smoking may lower your degree of HDL, or “accurate,” ldl cholesterol.
Where can I get the Best Quote for Life Insurance?
First, PinnacleQuote is here to help. Second, Speak with one of our agents, and they’ll be able to answer any and all of your questions. Third, We can help set you up with the best life insurance companies and find the most reasonably-priced policies for you. Finally, Working with us will save you a tremendous amount of time, energy, and money.
PinnacleQuote Life Insurance Specialists, National Independent Agent
Above all, you want to make sure when shopping for life insurance that you want to go with an independent agent over a captive agent. Actually, PinnacleQuote is a licensed national independent life insurance agent in 49 states. At the same time, has relationships with dozens of carriers. In any event, if you’re looking for a simple process, then let PinnacleQuote hold you by the hand. Therefore, we will provide you with the best life insurance rates in the industry, that’s made possible by the relationships we have accumulated over the years. Ultimately, with 25 years experience in the Investment/Life insurance industries, PinnacleQuote will provide you the best service to protect your family.
If you have any questions, please feel free to contact us at PinnacleQuote (855)380-3300.