Gold Coast Life Insurance

High Cholesterol

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GoldCoast Life insurance & High Cholesterol

Another factor life insurance companies consider when underwriting a life insurance policy is your cholesterol. Getting you great rates on life insurance with cholesterol reading that are above normal is part of what we do here at Gold Coast Life Insurance underwriters often feel elevated cholesterol can often be an indicator of an applicant’s potential future risk of coronary artery disease.

Since, the cholesterol levels vary with each insurance carrier; it is beneficial to know how your levels fit into each companies published cholesterol guidelines. Using our proprietary technology, we can match you with best company and rates for life insurance with high cholesterol.

Life Insurance High Cholesterol Levels Explained

First, let’s take a quick look at the cholesterol levels that many insurance underwriters consider when evaluating you for life insurance. Then, we can see how these cholesterol ranges fit into “liberal” insurance company rate classes.

Total cholesterol

Total cholesterol consists of LDL cholesterol, HDL cholesterol, and VLDL cholesterol. A desirable level of total cholesterol is less than 200 mg/dL.

Cholesterol/HDL ratio

Your cholesterol/HDl ratio is made up of LDL cholesterol, HDL cholesterol, and VLDL cholesterol. A normal cholesterol/HDL ratio is 5.0 or less.

Preferred Plus Rate

Many companies will offer their best health class, if total cholesterol is less than 230 mg/dL and the cholesterol ratio is less than 5.0.

Preferred Rate

Life insurance companies will offer their second best class, if the total cholesterol level is less than 260 mg/dL and the cholesterol/HDL ratio is less than 6.0.

Standard Plus Rate

Most insurance companies will offer their third best class, if total cholesterol is less than 200 mg/dL with a cholesterol/HDL ratio of 7.0 or lower.

Standard rates

A total cholesterol level of 300-350 mg/dL or less with a cholesterol/HDL ratio of 8.0 or less will likely result in standard rates with most companies


When applying for life insurance try to fully disclose your high cholesterol treatment with your agent.

If you have any other medical issues, it is also prudent to provide your medical history to your agent as well. As long as you are honest, getting life insurance with a medical condition like high cholesterol does not have to be complicated.

High Cholesterol Life Insurance Underwriting

First, your overall medical history is evaluated to determine which insurance companies may be best suited for your cholesterol levels and medical history.

There are many life insurance companies who will issue your insurance with cholesterol treatment, but will even grant the best available underwriting rate class. This differs from how life insurance carriers classify high blood pressure.

Your medical profile is submitted to many life insurance companies to determine which company would be willing to offer your life insurance at the most competitive rate class.

This allows us makes accurate price comparisons based on how your cholesterol levels fits with each insurance company.

This differs from how life insurance carriers classify high blood pressure. Almost all life insurance companies give out preferred rate for hypertension being treated with medication.
We typically start the application process by having you complete a brief insurance examination which can be utilized with many insurance companies.

We also order a medical summary from your physician to be used with all of the viable life insurance companies.


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