High cholesterol can be a significant concern for those looking to purchase term life insurance, as it is considered a risk factor for heart disease. However, it’s still possible to find affordable life insurance coverage even if you have high cholesterol. The key is knowing which insurance company will be the most favorable to your specific cholesterol numbers and your overall situation.
When applying for life insurance, the insurance company will likely ask about your total cholesterol levels as well as other health factors such as your age, family history, and lifestyle habits. If your cholesterol levels, specifically HDL and your HDL/LDL ratio are above normal, it may result in higher premiums or a higher risk classification. However, there are steps you can take to improve your chances of getting an affordable life insurance policy, and it involves two key things: managing your cholesterol as best you can, and working with the right partner to get the best policy at the best price.
First, it is important to the life insurance companies that you take steps to manage your cholesterol levels through lifestyle changes, such as eating a healthier diet, exercising regularly, and maintaining a healthy weight. Additionally, you can work with your doctor to get your cholesterol levels under control through medication. Having stabilized cholesterol levels at the time of your life insurance application can help us get you more favorable rates from the top companies.
It’s also important to be a smart shopper and understand that dozens of top companies will approach cholesterol levels differently and that your specific circumstances paint a unique picture. Only PolicyConnection has the proprietary UnderRight™ database that tracks how insurance companies approach common pre-existing conditions like high cholesterol but also scores their underwriting performance in specific situations. This gives our team unparalleled clarity in making the best recommendation for your individual circumstances and needs.
In conclusion, having high cholesterol may make it more challenging to find affordable life insurance, but PolicyConnection makes it much easier. Get started today and let our experienced team help you find the best policy at the best rates.