This means there are plenty of companies that will approve you, and some can even be found which might even give you a better rating if your cholesterol numbers are not too significantly out of whack.
Cholesterol Comparisons between Different Life Insurance Companies
To show you that not all life insurance companies are not the same when it comes to how they rate people applying for life insurance, and may have cholesterol issues, I performed a spot review of the underwriting requirements which are used.
Let’s see how they compare.
Genworth Life Insurance Company
Cholesterol – Preferred Best –No Tobacco Rating – Ages 0 -60
Underwriting Requirements – An underwriting review is required is the cholesterol is lower than 150 or greater than 350 mg/dl.
Cholesterol/HDL ratio cannot exceed 4.0 for females and 4.5 for males
Cholesterol – Super Preferred Non Smoker – Ages 16 -60
Underwriting Requirements – Maximum cholesterol is 300, with a HDL for a male of 75 and a HDL for a female of 90.
The maximum HDL ratio for males is 5.0 and for females is 4.5
North American Life Insurance Company
Cholesterol – Super Preferred No Tobacco – Age 70 and Under
Underwriting Requirements – Has a Cholesterol count with or without treatment of 220 or less, with a total cholesterol/HDL ratio of 4.5 or less (applicable to both genders)
Protective Life Insurance Company
Cholesterol – Select Preferred – To Age 70
Underwriting Requirements – Total cholesterol is not greater than 275 including treated cholesterol and cholesterol/HDL ratios are 4.5 or less (applicable to both genders)
As you can clearly see, not every life insurance company is the same when it comes to how you a person is viewed when it comes to the issue of cholesterol levels.
How do I Find Life Insurance if I Have Cholesterol Issues?
You always want to talk to an independent agent like myself. We can access and research dozens of companies so you are assured we will find the best policy at the most affordable rates. If you have health concerns such as cholesterol, don’t let that dissuade you because we can give you valuable advice and help you to find a policy that suits you.
Whatever your needs or questions then please call me direct at 877 – 966 – 9383.