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Life Insurance with High Cholesterol


how does high cholesterol affect life insurance

Nom, nom, nom, cooked meats, cheese, chips – all the good stuff.


In a previous post, I discussed getting life insurance with high blood pressure.

Today, I’ll look at a related issue:

Life insurance with high cholesterol

In this article, I’ll define what high cholesterol is, how it affects your life cover application and the kind of questions the insurer will ask you.

What is cholesterol?

Cholesterol is a fatty substance found in the cells of your body and blood.

Everyone has a level of cholesterol in their blood but some people suffer from high cholesterol.

In most people cholesterol levels reflects the amount of fat eaten.

In some people, a high cholesterol level is due to another condition


  • underactive thyroid gland,
  • obesity,
  • drinking a lot of alcohol,
  • and some rare kidney and liver disorders can raise the cholesterol level.

In others, a very high level of cholesterol runs in the family due to an inherited genetic problem with the way cholesterol is made.

One example is called familial hypercholesterolaemia.

The following levels are generally regarded as desirable:

  • Total cholesterol (TC) – 5.0 mmol/l or less
  • Low-density lipoprotein (LDL) cholesterol after an overnight fast: 3.0 mmol/l or less
  • High-density lipoprotein (HDL) cholesterol: 1.2 mmol/l or more
  • TC/HDL ratio: 4.5 or less. That is, total cholesterol divided by HDL cholesterol. This reflects the fact that for any given total cholesterol level, the more HDL, the better

How does high cholesterol affect my life insurance application?

High levels are linked with heart disease and stroke as they narrow the arteries making it harder to supply the heart and brain with oxygen.

This can be a risk factor for the life insurance companies so they may increase your premium to account for this extra risk of a claim.

What information will the insurance companies look for?

These are the factors that underwriting looks for when reviewing an application for life insurance with high cholesterol:

  • Do any other health conditions exist?
  • How adequate is treatment?
  • Do you smoke?
  • Are you overweight?
  • Is your blood pressure raised?
  • Are there any other risk factors – e.g family history of early heart disease or diabetes.

If none of those factors apply to you, then one of our insurers should be able to offer you the normal price.

However, if you find yourself answering yes to any of those factors, you’ll be required to complete a high cholesterol questionnaire.

You’ll be asked:

  • When were you diagnosed?
  • Why did you have your blood pressure read at that time? (routine or due to symptoms)
  • What was reading at diagnosis?
  • What are your latest readings?
  • Have you had any tests as a result of high cholesterol?
  • Are you on medication?
  • Are you being treated by a specialist?/li>
  • Have you had a urine test?
  • Do you smoke?

Depending on your responses, I may still be able to get you the normal price but please let me know before you make an application.

This will enable me to run in past my 6 insurers to see which one is best to apply to.

If the insurer still isn’t happy to make a decision, they will write to your GP for a medical report.

Following the receipt of the medical report you may be accepted at a higher premium, postponed for 6 months or declined for life cover.

Over to you…

If you’re worried about applying for life insurance with high cholesterol, let me help.

Simply complete this high cholesterol questionnaire so I can speak with my underwriters anonymously to find the best home for your cover.

You have no obligation to proceed if you don’t want to.

Choosing the most suitable insurer and packaging your application correctly is a very important first step.

I know the insurers who are more lenient when it comes to assessing life insurance with high cholesterol.

If you decide to apply through us, I’ll take a look at your personal circumstances and advise the best course of action to obtain your life insurance at the lowest possible price with the least amount of hardship.

Don’t worry, getting life insurance with high cholesterol can be easy enough once you know what you’re doing.

If you’d like to run something by me, complete the quick outline form below.

I’m waiting for you…


Nick McGowan | making life insurance easier

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