Will High Cholesterol Affect My Life Insurance Rates - PinnacleQuote

Will High Cholesterol Affect My Life Insurance Rates

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It’s a scary thought, but if you have high cholesterol your life insurance rates may be affected. The truth is that many people are unaware of the correlation between their cholesterol levels and the cost of their life insurance.

If this sounds like something you want to know more about, keep reading for facts about how much your premiums will change based on what they’re currently set at!

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, and family history. Some lifestyle issues like smoking, obesity and other things 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 a 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, you are considered a special risk to most insurance companies.

However, not in comparison with getting life insurance after DUI.


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 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 fluctuating 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 are 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.

For those looking for life insurance for smokers, some studies have proven that there is a direct impact on cholesterol if you smoke.


Affordable life insurance can be challenging if your bad cholesterol is high and your good cholesterol is low. People with high cholesterol usually have a high total cholesterol level. 

If you’re having difficulty getting a fair cholesterol quote, consider the following:

  • First, what can you afford? It’s helpful to break down your monthly budget before choosing a life insurance plan. Especially if you are an applicant with high cholesterol.
  • Next, if you are having trouble affording any permanent life insurance policies, consider looking at term life insurance policies. As in some cases their life insurance cholesterol guidelines may be more lenient.
  • 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. This combo will ultimately lower your life insurance premiums.
  • 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. But there are life insurance companies more lenient about blood pressure.

We can’t stress enough how much of an impact it is leading a healthier lifestyle can have on your health insurance rates and life 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 cholesterol and LDL cholesterol levels are within range.


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 consider a good rating class with under a 300 cholesterol level. This also includes making sure the HDL cholesterol level ratios are in a healthy range.

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. 

Again, life insurance with high cholesterol will vary ratings-wise as life insurance carriers have different guidelines. 

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 the average risk and in women 4.4 is the 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!

It is also better to find out from your doctor and put a game plan together than to get blindsided by the results of your medical exam by the life insurance company.

Here are some of the best carriers for cholesterol ratios that will impact high cholesterol life insurance.


Preferred Best


Standard Plus

Cholesterol Treatment Allowed

American National

5 HDL ratio or less w/300 Total

5.5 HDL ratio or less w/300 Total

6 HDL ratio or less w/300 Total

Untreated cholesterol of <130 will not be eligible for Std. Plus, Pref. or Pref. Plus

Principal (Ages 65-85)

5 HDL ratio or less w/260 total

6 HDL ratio or less w/280 total

7 HDL ratio or less w/300 total



5 HDL ratio or less

6 HDL ratio or less

7 HDL ratio or less

Yes. Up to 300 for all classes

SBLI (Male)

5 HDL ratio or less

5.5 HDL ratio or less

6 HDL ratio or less

Treated or Untreated total cholesterol 120 – 300 max for all classes

Prudential life insurance cholesterol guidelines are among the best. 


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.

Also, obesity negatively impacts cholesterol levels as well.

Some of these diseases include:

Coronary Heart DiseaseDoes 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. This 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.

This can be an indication of consistently high blood pressure readings

Peripheral Arterial DiseaseHigh 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 circulation, 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. 

Type 2 diabetes is another disease linked to high LDL cholesterol due to the fact diabetes can affect 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


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 that are high in LDL cholesterol, along with pork and complete-fat 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 a minimum of forty inches (102 centimeters). Also, 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.

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.

We also recommend the keto diet, this has an unbelievable impact on lowering your cholesterol levels

How to lower cholesterol for blood test life insurance?

  • Drink Plenty of Water!
  • Watch Your Diet!
  • No Alcohol for a Week Before the Exam!
  • Avoid Exercise on the Day of the Exam!
  • Don’t Eat on Exam Day!
  • Avoid Stressful Situations a Few Days Before Your Exam!
  • Dress Light For the Weigh-in and Stand Up Tall For the Measuring!!!!

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. 

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

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!

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. 


If you are looking for life insurance quotes, don’t let high cholesterol stop you from getting the coverage that is best suited to your needs. You might be surprised by how affordable it can be when you compare rates and find a plan with an appropriate health exam. Get started today!