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
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: