The crux of this entire article rests on this answer. There are two types of cholesterol: the good and the bad.The good cholesterol is called “HDL” (short for high-density lipoprotein), and can actually reduce the risk of heart disease and stroke. Action you can take: Get your own physical, assess your health problems, and start working on them before applying for coverage. Cholesterol is a major factor considered by life insurance companies in determining the … It certainly involves a blood test. No history of heart attacks or heart disease in my family and my parents/siblings all have normal cholesterol levels. Maybe you wish to show your health or life insurance company a certificate of health. Drink a glass of water an hour before the exam to … When shopping for life insurance it's important to pay attention to your cholesterol. Fasting for twelve hours before an exam may also lower your cholesterol. The healthier the measurements and lab results, the lower the premiums you'll pay for coverage. Since cholesterol levels can be controlled by making healthy lifestyle changes, making those changes before you apply for a life insurance policy will increase your chances of obtaining cheaper coverage. A life insurance medical exam takes about 20 minutes. As you can see, the exam part of the policy is very important. Why? I was also 180lbs at the time. The life insurance company will base most of their decision on the medical exam you take for your life insurance application and your most recent results from your physician. Good Cholesterol, Bad Cholesterol, & Total Cholesterol. Also, your past cholesterol levels will have little effect on your life insurance if you’ve successfully lowered your levels. When you apply for a life insurance policy, you will have to take a medical exam. This ‘cheat sheet’ idea is brought to you by BulletProof. A simple blood test is used to analyze how much “bad” and “good” cholesterol you have. If you already knew your cholesterol levels were high, this might not come as much of a shock to you. I did a genetic test for FH but came back negative. Why are we even trying to lower our cholesterol so quickly? Assessing Cholesterol Levels for Life Insurance. During the life insurance medical exam, make sure to answer all questions honestly, remain calm (you want a low resting heart rate) and stand as straight as possible for your height measurement. Someone who learns about his or her high cholesterol during the life insurance medical exam is much more likely to get denied. The best way to ensure that you’re getting the lowest insurance premiums when there is no cholesterol life insurance is to work with an independent insurance broker. It includes height, weight and blood pressure checks, as well as blood or urine samples and a request for medical history. Maybe you don’t want to go through all of the trouble of taking the exam, getting poked with needles, or taking time off work, then you have some options. Lower Your Risk in Other Ways During this exam, you will be asked questions about your family history, lifestyle, and smoking and alcohol usage. Higher than average cholesterol levels. Your height-to-weight ratio can directly impact your quotes, so don’t risk slouching. The Impact of High Cholesterol on Your Life Insurance Policy. Limit coffee and smoking for at least an hour prior to the examination. Here’s something frustrating: after you put in your life insurance application, get the medical exam, and go through underwriting, your life insurance agent comes back and tells you that your rate got bumped up. Our list of ways to lower your cholesterol and life insurance rates will save you money. Just like with exercise, it’s a great way to get better results from the medical exam, which means cheaper life insurance. 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