TREATED HIGH CHOLESTEROL AND LIFE INSURANCE RATES

Written by Danny Ray

Quick Tip: if you have a history of elevated cholesterol and want an instant quote, fill out the form on the side and rates will be displayed immediately. 

How does High Cholesterol or Taking Cholesterol Medication Affect my Life Insurance

What are the effects of cholesterol medication on 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

How high cholesterol affects your life insurance application....

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.

Treated Hypertension

How does treated Cholesterol affect Life Insurance Rates

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 un-managed, 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 medicationsIn factthese 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.

Cholesterol and Life Insurance

Treated Cholesterol and Life Insurance Rates

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.


What is a cholesterol ratio

Your physician will use your cholesterol levels and divide the total cholesterol by the high density lipoprotein level.  Ideally you would want your ratio between 3.5 and 1.  If your doctor does blood work on you and your ratio comes back higher, you are at risk for heart disease. 

In men 5.0 is average risk and in women 4.4 is average risk. Anything above that, you are at twice the risk for heart disease! If you feel you have high cholesterol, see your doctor and get blood work.  Always better safe than sorry!


INCREASED HEALTH RISKS CAUSED BY HIGH CHOLESTEROL

High cholesterol and life insurance

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
Does high cholesterol cause heart problems? 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.

Stroke
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. Discuss with your doctor what you can do with diet and exercise for a reduced LDL level. 


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. This will lead to cardiovascular disease and heart attacks. 

controlling your cholesterol levels


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.

Obesity

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.

Smoking

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.


Can I lower my cholesterol effectively without medication

What is the best way to reduce cholesterol levels? According to research your heart health and cholesterol go hand in hand.  Some of the best ways to improve your cholesterol is by reducing red meat, eat heart healthy foods, 30 minute workouts, take omega-3 fatty acids and fish oil.  Also using olive oil in lieu of other oils, taking soluble fiber to help with weight loss and good diet habits. 


Why does pinnaclequote life insurance specialist differ than most Life insurance companies

First of all, PinnacleQuote is here to help. Our goal is to help you achieve your life insurance goals and assist you in protecting your family. 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. We specialize in all health impairments. Danny Ray is the Owner/Founder/Independent Agent here at PinnacleQuote. He is a 25 year veteran in the life insurance field. This is his passion!

Finally, Working with us will save you a tremendous amount of time, energy, and money.

Foresters Life Insurance with Danny Ray

Danny Ray ~Owner/Agent of PinnacleQuote Life Insurance Specialists

If you have any questions, please feel free to contact us at PinnacleQuote (855)380-3300.

For more information with the American Heart Association: CLICK HERE. They are a good source of information regarding your heart health and cholesterol. 

Danny Ray & Lisamarie Monaco Contributed To This Article
Danny Ray & Lisamarie Monaco Contributed To This Article

Quick Tip: if you have a history of elevated cholesterol and want an instant quote, fill out the form on the side and rates will be displayed immediately. 

How does High Cholesterol or Taking Cholesterol Medication Affect my Life Insurance

What are the effects of cholesterol medication on 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

How high cholesterol affects your life insurance application....

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.

Treated Hypertension

How does treated Cholesterol affect Life Insurance Rates

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 un-managed, 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 medicationsIn factthese 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.

Cholesterol and Life Insurance

Treated Cholesterol and Life Insurance Rates

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.


What is a cholesterol ratio

Your physician will use your cholesterol levels and divide the total cholesterol by the high density lipoprotein level.  Ideally you would want your ratio between 3.5 and 1.  If your doctor does blood work on you and your ratio comes back higher, you are at risk for heart disease. 

In men 5.0 is average risk and in women 4.4 is average risk. Anything above that, you are at twice the risk for heart disease! If you feel you have high cholesterol, see your doctor and get blood work.  Always better safe than sorry!


INCREASED HEALTH RISKS CAUSED BY HIGH CHOLESTEROL

High cholesterol and life insurance

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
Does high cholesterol cause heart problems? 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.

Stroke
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. Discuss with your doctor what you can do with diet and exercise for a reduced LDL level. 


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. This will lead to cardiovascular disease and heart attacks. 

controlling your cholesterol levels


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.

Obesity

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.

Smoking

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.


Can I lower my cholesterol effectively without medication

What is the best way to reduce cholesterol levels? According to research your heart health and cholesterol go hand in hand.  Some of the best ways to improve your cholesterol is by reducing red meat, eat heart healthy foods, 30 minute workouts, take omega-3 fatty acids and fish oil.  Also using olive oil in lieu of other oils, taking soluble fiber to help with weight loss and good diet habits. 


Why does pinnaclequote life insurance specialist differ than most Life insurance companies

First of all, PinnacleQuote is here to help. Our goal is to help you achieve your life insurance goals and assist you in protecting your family. 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. We specialize in all health impairments. Danny Ray is the Owner/Founder/Independent Agent here at PinnacleQuote. He is a 25 year veteran in the life insurance field. This is his passion!

Finally, Working with us will save you a tremendous amount of time, energy, and money.

Foresters Life Insurance with Danny Ray

Danny Ray ~Owner/Agent of PinnacleQuote Life Insurance Specialists

If you have any questions, please feel free to contact us at PinnacleQuote (855)380-3300.

For more information with the American Heart Association: CLICK HERE. They are a good source of information regarding your heart health and cholesterol. 

This entry was posted in High Risk Life Insurance, Life Insurance. Bookmark the permalink.

2 Comments

Great site. Just had a quick read.

December 27, 2017 at 3:07 am

    Great, thanks for stopping by, let me know if you have any questions.

    Danny

    January 29, 2018 at 12:00 am
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