The best life insurance companies in 2015 for someone with high cholesterol offer cheaper rates and view the risk more favorably than other life insurers.
According to the CDC, about 33% which equates to 71 million of adults in the United States have high levels of bad cholesterol. Nearly half of those with high cholesterol are receiving treatment and only 23 million have their cholesterol levels in check.
The health problems that can result from having high cholesterol are numerous and can be very dangerous. These include the elevated risk of heart disease, stroke, high blood pressure and diabetes. Since life insurance rates are determined by the health of the applicant-i.e. the risk to the insurance company, having high cholesterol can lead to higher premiums if you choose the wrong company.
Fortunately, some of the top insurers have relaxed their underwriting standards for people with elevated cholesterol levels or those taking cholesterol lowering drugs and statins such as; Simvastatin, Lipitor, Crestor and Zocor. You just have to know which company to go to. Let’s take a look for the best life insurance companies in 2014 for high cholesterol or if you’re taking cholesterol treatment medication.
Best Life Insurance Companies for High Cholesterol in 2015
ING-ReliaStar– Allows each applicant to have maximum cholesterol of 300 and can be on or off a cholesterol lowering medication and still qualify for the best rating class.
Prudential Life Insurance– Allows each applicant to qualify for the best health class if total cholesterol is below 300 with an HDL ratio of 5.0 or less.
Banner Life– Applicant can qualify for the best rating class if their total cholesterol is below 300 and can be on or off a cholesterol medication.
Protective Life– Applicant can qualify for the top rating class as long as total cholesterol is at 275 or below with an HDL rated of 4.5 and can be on or off a cholesterol lowering medication.
Lincoln Financial Group– Applicant can a total cholesterol of 300 or less with an HDL ratio of 5.0 or less and still qualify for the best rating class.
Genworth Life– Each applicant can receive the best rating class with a total cholesterol of 240 or lower and it doesn’t matter if they are on a cholesterol lowering medication or not.
Great news in 2015
If you have high cholesterol due to your family genes or due to your diet, the good news is that you will likely still qualify for an excellent rate on life insurance-if you choose the right company. The best life insurance companies in 2015 for applicants with high cholesterol will likely still offer you the best rate which means lower premiums.