Have you been declined for life insurance due to High Cholesterol?
The good news is there is hope. At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with High Cholesterol? And if so…
2. How much will it cost?
Yes, most individuals with High Cholesterol will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – If High Cholesterol (with no symptoms presented) is detected early and the necessary diet and lifestyle changes were able to control the levels of blood cholesterol with no use of medications, then this will definitely get a “Standard” rating. If, however, you still have High Cholesterol, in spite of, lifestyle changes and control is only achieved with medication then you may qualify for a “Mild Substandard” health class. Click here for quote at “Standard” or “Mild Substandard.”
Moderate Case – Those with evident complications of atherosclerosis, but whose symptoms like dizziness or chest pain are mostly controlled may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard.”
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:
1. How many years have you been suffering from High Cholesterol?
Early detection and control of High Cholesterol has a good chance of getting a “Standard” rating. Longstanding High Cholesterol, however, presents a higher risk of having atherosclerosis and may only get a “Mild Substandard” or “Medium Substandard” rating.
2. Have you experienced any symptoms due to High Cholesterol levels within the last six months?
Symptoms of dizziness, loss of vision or tingling sensations are signs of lack of Oxygen supply due to plaque buildup. These cases may get a “Medium Substandard” rating.
3. Are you taking medications to control the levels of your blood cholesterol?
Compliance to medication assures that High Cholesterol blood levels are controlled within normal. These cases may qualify for a “Mild Substandard” rating.
4. Have you had any blood tests in the past six months?
The best way to show a controlled level of cholesterol is a regular blood exam, and if you can show your last series of blood tests with normal cholesterol levels, you may qualify for a “Mild Substandard” health class.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of High Cholesterol
High Cholesterol also known as hypercholesterolemia is a condition where there are high levels of cholesterol and lipoproteins in the blood.
Cholesterol is otherwise known as fat buildup that increases the risk of elevated blood pressure and possibly plaque upsurge, which can later end up with complications of coronary heart disease and atherosclerosis (fatty deposits).
High Cholesterol alone usually does not present any symptom, but if the elevated levels become longstanding it causes narrowing of the blood vessels. With longstanding High Cholesterol, symptoms of dizziness, loss of balance, muscle weakness (paresis), temporary loss of vision, difficulty of speech, tingling sensation of the arms and legs or chest pain may present itself.
Related Keywords: high cholesterol, hypercholesterolemia, hyperlipidemia, atherosclerosis