Getting Life Insurance If You Have High Cholesterol

If you have high cholesterol, and you have this condition under control, buying life insurance is not as difficult as it once was.

Even a person taking medication to control high cholesterol, who also wants to buy life insurance, can get preferred rates if there have been no incidents within the last year.

Still, it is essential to have an expert at your side who has all the resources an applicant needs to simplify buying life insurance for someone with high cholesterol.

Thankfully, Local Life Agents understands the dangers posed by high cholesterol. We know that purchasing life insurance if you have high cholesterol can otherwise be complicated and time-consuming.

What Is High Cholesterol?

According to the Mayo Clinic, high cholesterol can contribute to the formation of fatty deposits in your blood vessels. Over time, these deposits constrict the flow of blood through your arteries and increase the risk of having a heart attack.

This decreased blood flow can also result in a stroke because of lack of oxygen to the brain.

While a person may have a family history of high cholesterol, the condition is usually due to an unhealthy diet, little or no exercise, and other poor decisions. This disorder is, however, preventable and treatable.

Cholesterol Facts

According to the Centers for Disease Control and Prevention (CDC), high cholesterol increases the likelihood of a person developing heart disease, which is the number one cause of death in the United States. Approximately 71 million Americans, or 33.5% of the overall population, have high LDL levels, or “bad” cholesterol.

The national average for total cholesterol levels for adult Americans is nearly 200 mg/dl, a number that is borderline “high risk.” Unfortunately, less than half of these individuals receive treatment for this condition.


The life insurance underwriting guidelines involving high cholesterol are not as challenging as they were years ago.

The following information will influence the outcome of the underwriting process for someone with high cholesterol, who wants to buy life insurance:

  • The date you were diagnosed with high cholesterol.
  • Family history of high cholesterol, heart disease and/or stroke.
  • Total cholesterol ratio and HDL ratio.
  • The types of medication an applicant takes.
  • Total cholesterol, LDL, HDL and Triglyceride levels.
  • Physical build.

Possible Outcome

Best case: Preferred plus with control and on medication
Typical case: Preferred rates if no other health issues
Worst case: Decline if you have experienced complications

No Exam Outcome

Best case: Preferred with control and on medication
Typical case: Standard rates

Get a Quote

You can get permanent or term life insurance with high cholesterol with the help of a Local Life Agent.  We have over 40 life insurance companies to choose from and we make sure we shop to find you the lowest cost policy.

Local Life Agents is your personal advocate because we have a strong track record of getting life insurance for people who have high cholesterol.

We are with you throughout this process because it typically takes at least 3 weeks (or more) before a life insurance company finishes its review and underwriting of your application unless you opt for a no exam option.  No exam applicants can usually get life insurance within 24 hours.

During that time, we will follow up with you during the underwriting process to make sure you know where the underwriting process stands.

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