Life Insurance With High Cholesterol 2023
High cholesterol and high blood pressure affect almost 30 percent of the population. If left untreated, these conditions can have serious consequences for your health
Although some insurance 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?
- Provision of cash gifts 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 levels of cholesterol in an individual’s blood. This is usually caused by a combination of genetics and lifestyle choices. 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 of these types of cholesterol is what determines if an individual has high cholesterol. LDL moves cholesterol from the liver to cells throughout the body that need it. When there is excess LDL, it can build up along artery walls, which is the leading cause of artery disease.
Since HDL does not build up on the artery 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 is a measure of how strong the heart is pumping 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 moves the blood through arteries and veins, blood pressure increases, and adversely, pressure decreases as the muscles in the heart 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, numbers are consistently higher than a measurement of 140 over 90 for an extended period, usually over the course of 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 incident rate associated with these conditions makes applicants a larger risk. Although there may be a concern, these conditions are usually well managed, and insurers are willing to offer standard terms.
As long as applicants manage their condition properly and provide information on their last cholesterol reading to insurance companies, 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 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 to meet their unique needs but also find 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)