Life Insurance With High Cholesterol
High cholesterol and high blood pressure affect almost 30 per cent of the population. If left untreated, these conditions can have severe consequences for your health
Although some applicants may believe these conditions will negatively affect their eligibility for life insurance or increase their monthly premiums, policies are available to meet the needs of individuals with these circumstances.
Insurance Hero can help applicants find comprehensive life insurance at an affordable price.
Without proper life insurance, how would the following be covered?
- Will your estate be free from an Inheritance Tax Bill when you pass away?
- Can cash gifts be provided to relatives or children?
- Mortgage payments and other significant financial commitments. How will these be repaid if you die?
- Outstanding debts accrued in your name
- Planning for funeral arrangements
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Information about High Cholesterol
High cholesterol is defined as the presence of abnormally high cholesterol levels in an individual’s blood. A combination of genetics and lifestyle choices usually causes this.
Two types of cholesterol are found in the human body – low-density lipoprotein, or LDL, and high-density lipoprotein, or HDL.
The amount of each type of cholesterol determines whether an individual has high cholesterol. LDL moves cholesterol from the liver to cells throughout the body that need it.
When excess LDL builds up along artery walls, it is the leading cause of artery disease.
Because of this, LDL is also known as “bad cholesterol.” HDL, however, carries cholesterol away from cells and back to the liver, where it can be broken down and excreted as waste.
Since HDL does not accumulate on arterial walls, it is known as “good cholesterol.” Generally, any cholesterol level above 5.2 mol/L is considered high.
Information about High Blood Pressure
Blood pressure measures how forcefully the heart pumps blood throughout the body. This function ensures that blood carrying oxygen reaches all the body’s vital organs, helping them to operate properly.
As the heart contracts and pumps blood through arteries and veins, blood pressure increases; conversely, pressure decreases as the heart’s muscles relax.
Because of this, an individual’s blood pressure constantly fluctuates between a minimum and maximum level.
These blood pressure levels are called systolic (maximum) and diastolic (minimum) pressure. Medical professionals usually express this measurement as one number over another, such as 125 over 80.
The first number is the maximum or systolic pressure, and the second is the minimum or diastolic pressure.
In cases of high blood pressure, the numbers are consistently higher than 140 over 90 for an extended period, usually several weeks.
How High Blood Pressure and High Cholesterol Can Affect Life Insurance
High blood pressure and high cholesterol are red flags for insurance companies – the high incidence of these conditions makes applicants a greater risk.
Although there may be concerns, these conditions are usually well managed, and insurers are willing to offer standard terms.
As long as applicants manage their condition appropriately and provide insurers with their most recent cholesterol reading, insurers will rarely deviate from regular premium payments.
People with pre-existing conditions, such as high blood pressure or high cholesterol, generally believe they will face high premiums when applying, particularly for life insurance for high cholesterol.
The knowledgeable consultants at Insurance Hero can help secure life insurance for people with pre-existing conditions.
These individuals not only find coverage that meets their unique needs but also a policy that fits well within their budget.
Pre-existing conditions do not have to mean high premiums and unaffordable coverage. Insurance Hero is here to help.
UK Medical Resources (Condition Specific)
https://www.nhs.uk/conditions/high-cholesterol/
Steve Case is a seasoned professional in the UK financial services and insurance industry, with over twenty years of experience. At Insurance Hero, Steve is known for his ability to simplify complex insurance topics, making them accessible to a broad audience. His focus on clear, practical advice and customer service excellence has established him as a respected leader in the field.
