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High cholesterol life insurance

Often we speak to people who have high cholesterol and need life insurance to protect their families, also people that want to know about what these products can do for them.

Life insurance and other similar products that we offer, can provide you and your family with peace of mind against all sorts of things. High cholesterol is not considered to be life-threatening but it can cause issues where certain types of cover can help.

Some reports suggest that nearly 40% of the UK population has high cholesterol or borderline high levels of LDL Cholesterol. Levels of cholesterol increase for all of us with age and for women who are going through menopause.

Most people with high cholesterol will be perfectly healthy and have no extra risks to mortality, however, there are other factors to consider for life cover.

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  • 2 in 5 UK adults have high cholesterol
  • 1 in 4 heart disease deaths are linked with high cholesterol
  • 7 – 8 million UK adults take medication to treat high cholesterol

YES – while high cholesterol isn’t considered to be life-threatening, there are still some complications that may cause other issues.

The main issue with high cholesterol is that is generally a result of a poor lifestyle that can cause other health problems. Some of the most common medical conditions that can be more serious include:

The main reasons why someone might want to consider life insurance, especially those with dependent children or mortgages:

  • Mortgage
  • Rent (property)
  • Debts
  • School fees
  • Tax liabilities


Does critical illness cover high cholesterol?

Most critical illness cover policies are specifically designed to protect against the diagnosis of serious medical conditions.

While you won’t be covered specifically for high cholesterol, there is a list of other complications that would be covered. As explained with life insurance above, there are a number of connected conditions that would be covered, such as:

Your critical illness cover policy would normally payout on diagnosis of a serious medical condition to help you financially through difficult periods. You can use the funds you receive to pay for expenses such as:

  • Paying mortgage or rent payments

  • Cost of living for a period of time

  • Adjustments to the home

  • Treatment to help your condition

You can also use your benefit (payout) for replacing your lost income whilst you are unable to work or for medical treatment and rehabilitation.

Will income protection payout for high cholesterol?

YES – if you are unable to work for a period of time (usually over 4 weeks) then your income protection will payout.

You should be able to claim on your income protection policy for symptoms of high cholesterol from 4 weeks to 12 or 24 months (depending on your cover). It’s important to make sure that you have the right cover for you based on your employment or self-employed circumstances.

Currently, the level of support provided to you by the government from Statutory Sick Pay (SSP) would provide approximately £96/week. This would leave most families with a serious financial problem covering mortgages, rent, and other costs of living.

You can use an income protection policy to pay for:

  • Mortgage or rent payments
  • Loans and credit cards
  • Utilities
  • School fees

There are a number of reasons why someone with high cholesterol might need to take time off work. This type of cover is designed to replace your income for periods of up to 1 or 2 years depending on your issues and your doctor.

High cholesterol and life insurance

On this page we have the answers to some of the most common questions that our customers ask us about life insurance after being diagnosed with high cholesterol.

These are the most common medications that are used to manage cholesterol in the UK:

  • Aspirin
  • Atorvastatin
  • Ezetimibe
  • Niacin
  • Rosuvastatin
  • Simvastatin
  • Statins

Here are the definitions for high cholesterol readings:

Cholesterol levels (mmol/L)Category
Below 5.0Normal (or low)
5.0 to 6.4High
6.5 to 7.8Very high
Above 7.9Extremely high

YES – often there is no issue in getting life insurance with most levels of cholesterol unless there are other factors.

Most insurers would offer terms for someone with high cholesterol and especially where it is controlled with medication. Many people that we speak to don’t have any issues with their health and are well managed.

There are some other common factors that can be part of the considerations for life insurance with high cholesterol, such as:

High cholesterol life insurance rates

Your life insurance rates with high cholesterol will be calculated based on your individual circumstances, as well as your requirements.

There are many options so it’s important to get advice from an expert or specialist who can advise you properly. The most important thing is to make sure that you have the best cover for your family, plus to make sure that you pay a fair price.

You should find that life insurance rates with a history of high cholesterol will be affordable and usually readily available.

Find out more – Average cost of life insurance guide

Best life insurance companies for high cholesterol

There are lots of options when it comes to life insurance and several major insurance companies to choose from.

The best insurance company for you could be completely different from someone else if you have high cholesterol. Some insurance providers are better than others at underwriting certain medical conditions, which is where an expert can help.

A specialist insurance advisor will know which insurance provider has the best underwriting philosophy for you and your medical history.

Can you be denied life insurance for high cholesterol?

It is possible that you might in some cases be declined or refused life insurance because of high cholesterol.

If you’ve applied for life insurance in the past with high cholesterol and been refused, don’t worry. There are many insurers who would consider applications that others have refused and it doesn’t impact any new applications.

This is only general in more serious readings (extremely high) or where there are other medical issues (e.g. excessive fat deposits in your blood vessels). Some of the most common complications that may cause problems getting life insurance with high cholesterol include:

It is also possible to get cheaper life insurance with a history of high cholesterol by following a few simple steps.

  • Reduce your readings: you can manage your cholesterol readings with lifestyle changes that can reduce your premiums. You can get a cholesterol test quickly and easy, either via a blood test or finger prick test.
  • Speak to an expert: a specialist advisor will have the relevant knowledge and expertise to get the best options and lowest premiums
  • Stop smoking: if you currently smoke and you’re thinking about quitting, you can significantly reduce your premiums from 12 months after stopping

NO – you should be able to get standard cover from most of the normal high street insurance companies with high cholesterol.

Can I get critical illness cover with high cholesterol?

YES – you should be able to apply for critical illness cover with most of the normal insurance brands with high levels of cholesterol and triglycerides (types of fat acids) in the blood.

There should be no exclusions applied to your cover for this type of medical condition as well. You will be asked a number of questions in connection with your medical history specifically relating to high cholesterol.

Can I get income protection with high cholesterol?

YES – you should be able to get income protection with high cholesterol and especially where it is well-controlled with medication.

Most insurance providers will want to know what your recent readings are, how regularly you get a check-up and your medication. You may also be asked whether you have had much time off work recently because of your cholesterol.

In more severe cases where your readings are higher or if there are other medical complications, then there may be other outcomes. Tests can check for either levels of high ‘bad’ cholesterol or total cholesterol levels.

Medical conditions linked to high cholesterol

High levels of low density lipoprotein (LDL), also known as ‘bad cholesterol’, can increase your risk of developing several other health problems.

It is also possible to have high levels of ‘good cholesterol’ (high density lipoprotein), which can actually lower the risk of conditions such as heart disease. You can find good cholesterol in foods such as eggs, fish, cheese and more.

Here are some of the most common medical conditions that are commonly linked to high ‘bad’ cholesterol:

Some of the most common questions that people ask about high cholesterol or living with this condition.

What are the common warning signs of high cholesterol?High cholesterol is also known as ‘the silent killer’ as there are no real symptoms.

It can increase the risk factors of many heart related complications including a higher risk of heart disease, stroke and more.

There are several well-known and more common warning signs that your cholesterol levels might be high.

Slurred speech
Chest pain
Short of breath
Numb fingers or toes
Raised blood pressure
How can I reduce my cholesterol levels?There are some changes that you can make to your lifestyle that can have a positive impact on your cholesterol readings.

Eat ‘heart healthy’ foods
Exercise regularly
Stop smoking
Reduce alcohol consumption
Reduce your BMI (weight loss)
Can you live a long life with high cholesterol?It is very possible to live a long and healthy life with high cholesterol as long as it is well managed and treated with medication and good health care.

If left unmanaged and not treated properly then it can lead to other potentially life-threatening complications, such as heart attack or stroke.

Useful resources

There are lots of different resources that are available to you if you are looking for more information about high cholesterol.

NHS Choices – High Cholesterol

Heart UK – What is high cholesterol?

British Heart Foundation (BHF) – Reduce your high cholesterol

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