Most people who have High Cholesterol and need life insurance will generally not have a problem getting cover and in most cases we are able to get High Cholesterol life insurance at standard rates so with no increase in premium. With all applications for High Cholesterol life insurance you would need to know your latest Cholesterol readings as well as provide details of any medication being taken (e.g. name of medication and dosage). A Cholesterol reading of up to 6 would usually be accepted at standard rates with no premium loading and should also be accepted online without needing medical evidence from your GP or a medical.
Applications for High Cholesterol life insurance where there have been issues such as:
- Changes / increases in medication recently
- Readings above 6
- More than 2 medications being taken
- High BMI
These issues will usually result in some additional underwriting and further medical information being required for High Cholesterol life insurance. If any of these issues are bad enough to be seen as a problem by life insurance underwriters then there may be an additional loading applied to your premiums due to the increased risk.
If you already have High Cholesterol life insurance in place or have had special terms imposed in the past on an existing policy then it is usually worth reviewing your cover to see whether any savings can be made based on your current circumstances.