Raised Cholesterol and Life Insurance
Generally it is possibly to obtain life insurance if you suffer from raised cholesterol. It may even be possible to obtain cover at standard rates, however the premium may be increased depending on the individual case.
A further consideration would be if there are any other associated health conditions such as height and weight (BMI), diabetes, heart conditions and raised blood pressure.
It is important to remember that not all life insurance companies will necessarily make the same decisions regarding premiums after looking at your medical information; it pays to be well advised and use an expert service such as Moneysworth.
Raised Cholesterol Case Study
Male aged 46, Entrepreneur.
Seeking £500,000 life cover and £500,000 critical illness cover to provide protection to cover business partners.
Medical History: He had raised Cholesterol, diagnosed in 2001 with a recent reading of 8. His father was diagnosed with diabetes aged 60.
We obtained the life cover with the lowest rating available of 50% and critical illness cover with a 75% increase in monthly premiums. Other companies declined cover or offered premiums at a much higher rate.
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