For 2016,we listed our top 5 life insurance companies for high cholesterol 2016. These companies allow a cholesterol reading up to 300 and also allow you to be on a cholesterol lowering medication such as a statin and still remain eligible their best health rate class.
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.
Common Cholesterol Medications: Pravastatin, Simvastatin, Lipitor, Crestor, Zocor, Zetia, Tricor, Lovastatin, Atorvastatin Vytorin, Simcor,
Top 5 Life Insurance Companies for High Cholesterol 2016
ReliaStar Life Insurance Company (Voya)– Allows each applicant to have maximum cholesterol of 300 with and total cholesterol/HDL ratio of 5.0 or less for men and 4.5 or less for women with or without medication and still qualify for the best health class, Super Preferred.
Mutual of Omaha (United of Omaha)– MOH allows a total cholesterol of 300 or less and an HDL ratio of 4.5 or lower to remain eligible for the best class, with or without medication.
Banner Life Insurance Company– Applicant can qualify for the best rating class if their total cholesterol is below 120-300 with and HDL ratio of 4.5 or lower and can be on or off a cholesterol medication.
Lincoln National Life Insurance Company– 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. Age 70 and older an HDL ratio of 5.5 or lower and can still qualify for the best rate class.
Getting the Best Life Insurance Rate with Elevated Cholesterol
If you are taking a cholesterol lowering medication or your doctor says you have elevated cholesterol, don’t worry… you may likely still qualify for the best life insurance rate class. Use our quote engine to the right to compare rates and choose the best company for you.