Life Insurance and High Cholesterol

How Does High Cholesterol Affect Life Insurance Rates?

Life insurance rates are broken up into classes— 

  • Preferred Plus Non Tobacco
  • Preferred Non Tobacco
  • Preferred Tobacco (or just Preferred)
  • Standard Plus
  • Standard Non Tobacco
  • Standard Tobacco
  • Substandard.

People with Preferred rates generally pay the least for coverage, while those with Substandard rates pay the most.

So you have a better idea of what this means, for Preferred Plus Non Tobacco, your total cholesterol needs to be below 250 or sometimes 300, or in other words less than a 5.5 ratio.

For Preferred Non Tobacco your total cholesterol falls between 280 and 300, and the ratio can be higher, around 6. Standard Plus ratios can go as high as 7 and total cholesterol of 300. For Standard Non Tobacco, ratios can go as high as 8 with total cholesterol of 300.

But of course, different companies have their own guidelines. Let’s look at some examples:

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