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Life insurance in Michigan and Ohio for those with high cholesterol:

28 million American people have high cholesterol, and an astounding 94 million are at risk for the illness, according to data from the Centers for Disease Control (CDC). Although you may be aware of some of the negative consequences high cholesterol may have on your health, it may also have an impact on your life insurance policy. What you need to know about buying life insurance with high cholesterol is explained by Bankrate’s insurance editorial team, who have a combined 47 years of experience in the insurance industry.

High cholesterol and life insurance

Your life insurance provider will typically request that you undergo a medical exam as part of the underwriting procedure when you apply for a life insurance policy. The examination’s goal is to determine your general state of health, and it often entails a medical questionnaire to determine your medical background and a physical examination with a blood test. High cholesterol is one of the many disorders that the blood test looks for.

You are regarded as having a borderline risk if your total cholesterol level is between 200 and 339 milligrams per deciliter (mg/dL). You have high cholesterol if your total cholesterol is 240 mg/dL or above. Your blood flow may be restricted by high cholesterol, which raises your risk of a heart attack or stroke. While disorders linked to high cholesterol do have symptoms, high cholesterol itself does not have any symptoms.

How would having high cholesterol affect my insurance rates?

Even the top life insurance providers assess your prospective risk when calculating your premium. Your life insurance premium will probably be greater than that of a person with lower risk if you are deemed to be high risk. Life insurance companies will also consider other criteria including your age, medical history, and even your hobbies in addition to a medical examination, which is just one step in the underwriting process.

Insurance companies view high cholesterol as a risk factor since it can increase your risk of developing heart attacks and strokes, two of the main causes of mortality in the United States. You might even be refused coverage if your cholesterol is especially high, is not well controlled by medication, or if you have other health conditions.

When I already have a policy, may I cut my life insurance premium?

You might be able to ask your life insurance provider to do another medical exam if you can lower your cholesterol levels. You can see a reduction in your premium if the exam’s outcomes are good. Alternatively, you may apply for a new life insurance policy, get a fresh medical exam, and then switch your current policy out for the more recent one with a reduced rate.

How to get ready for a medical exam for life insurance

You can take a number of actions to get ready for your life insurance medical examination. If you anticipate needing life insurance in the near future, schedule a day for your medical exam so that you may get ready for it beforehand. You can prepare for your exam by eating well, drinking plenty of water, abstaining from alcohol for a few days, and engaging in physical activity. Before your assessment, you might be requested to fast for at least six hours so that your fasting blood levels can be assessed. You might want to think about planning your fast to make it a little simpler.

For the morning exam. A blood sample will be taken during the examination, and the doctor will also measure your height, weight, and blood oxygen level in addition to your blood pressure, pulse, and other health indicators. Throughout the examination, they will quiz you, so you might wish to bring your medical records.

You might anticipate paying a greater premium than you would if your cholesterol levels were lower if you have high cholesterol and urgently need life insurance. You can get a lower cost if you have time to lower your cholesterol levels before purchasing a coverage.

Will my application for life insurance be rejected because I have high cholesterol?

Potentially. Every life insurance provider uses a different rating system, so if your cholesterol is really high, not under control with medicine, or if you also have other health problems, your application may be rejected.

Consider guaranteed issue life insurance, a sort of whole life insurance, if your application is turned down and you don’t have time to lower your cholesterol before purchasing a policy.

You might anticipate paying a greater premium than you would if your cholesterol levels were lower if you have high cholesterol and urgently need life insurance. You can get a lower cost if you have time to lower your cholesterol levels before purchasing a coverage.

Will my application for life insurance be rejected because I have high cholesterol?

Potentially. Every life insurance provider uses a different rating system, so if your cholesterol is really high, not under control with medicine, or if you also have other health problems, your application may be rejected.

Consider guaranteed issue life insurance, a sort of whole life insurance, if your application is turned down and you don’t have time to lower your cholesterol before purchasing a policy.


For more information on life insurance for those with high cholesterol,

visit us atwww.Get-Life-Insurance.com

or call us at313-561-2486

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