Also, your past cholesterol levels will have little effect on your life insurance if you’ve successfully lowered your levels. Action you can take: Get your own physical, assess your health problems, and start working on them before applying for coverage. 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. A simple blood test is used to analyze how much “bad” and “good” cholesterol you have. 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. Why? Lower Your Risk in Other Ways 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. This ‘cheat sheet’ idea is brought to you by BulletProof. No history of heart attacks or heart disease in my family and my parents/siblings all have normal cholesterol levels. 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. Your height-to-weight ratio can directly impact your quotes, so don’t risk slouching. When you apply for a life insurance policy, you will have to take a medical exam. The Impact of High Cholesterol on Your Life Insurance Policy. No Exam Life Insurance With High Cholesterol. If you already knew your cholesterol levels were high, this might not come as much of a shock to you. Why are we even trying to lower our cholesterol so quickly? Cholesterol is a major factor considered by life insurance companies in determining the … Assessing Cholesterol Levels for Life Insurance. I’ve been a vegan, pescatarian, meat eater, low carb over that past 2 decades and the lowest my LDL ever got was 192 as a vegan. A life insurance medical exam takes about 20 minutes. Someone who learns about his or her high cholesterol during the life insurance medical exam is much more likely to get denied. Maybe you wish to show your health or life insurance company a certificate of health. Our list of ways to lower your cholesterol and life insurance rates will save you money. 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 certainly involves a blood test. Good Cholesterol, Bad Cholesterol, & Total Cholesterol. 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. During this exam, you will be asked questions about your family history, lifestyle, and smoking and alcohol usage. The crux of this entire article rests on this answer. Higher than average cholesterol levels. It includes height, weight and blood pressure checks, as well as blood or urine samples and a request for medical history. Just like with exercise, it’s a great way to get better results from the medical exam, which means cheaper life insurance. I was also 180lbs at the time. When shopping for life insurance it's important to pay attention to your cholesterol. Test results: ideally low cholesterol levels. Fasting for twelve hours before an exam may also lower your cholesterol. Limit coffee and smoking for at least an hour prior to the examination. Avoid alcoholic beverages for a minimum of twelve hours prior to the examination. I did a genetic test for FH but came back negative. 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