Do you have high cholesterol? Are you worried about it affecting your eligibility for life insurance? iLL offers a unique comparison service through a network of approved impaired insurance specialists so that you can compare and find the right insurance provider for you. We can help you find the best high cholesterol life insurance policy for your circumstances.

What is high cholesterol?

If you have high cholesterol, you have too much fat in your blood. This fat is what is called ‘cholesterol’. High cholesterol is caused by eating too many foods that are overly processed and high in fat, not taking enough exercise and through being overweight or obese. Your cholesterol levels can also be affected if you drink too much alcohol or smoke. Cholesterol levels can be lowered by eating more healthily and taking regular exercise. In some cases, taking medication is necessary to keep cholesterol levels under control. People with high cholesterol do not suffer from any symptoms – you can only tell that your cholesterol level is high through taking a blood test.

If you have too much cholesterol in your blood, you risk having a blockage in your blood vessels. This makes you more susceptible to suffering from a heart attack or stroke.

As many people suffer from high cholesterol, generally speaking many insurers will offer life insurance cover at standard rates with no increases to premiums. This does however depend on your personal circumstances. You should know your latest cholesterol readings from your last test, and provide an insurer with details of any medications you may be taking. A cholesterol reading of 6 or below is usually accepted at standard rates of life insurance cover.

Finding high cholesterol life insurance

When you have high cholesterol, you may worry about whether you are eligible for life insurance cover due to your condition and risk of heart attack and stroke. As having high cholesterol is a common condition, many insurers offer cover with no increases to premiums. This does however depend on your cholesterol readings. If they are high, (6 or over) some insurers may be cautious about accepting your application. All insurers have to underwrite applications they receive from customers looking for high cholesterol life insurance, and need to assess their level of risk. If you have been told that you are at great risk of suffering a heart attack or stroke as a result of your high cholesterol, it can be more challenging to find an insurer that meets your needs.

iLL can help you find the right insurer for your personal circumstances. There are many policies available for those suffering with cholesterol due to the commonplace status of the condition.

Use our comparison tool to find the right policy for you by filling out a quick 30-second form.

Costs for high cholesterol life insurance premiums

Many insurers will accept applications from people with high cholesterol. Depending on your cholesterol readings, if they are low, you may even be accepted on a standard rate with no extra costs. This will however depend on your BMI, medications and treatments you are undertaking.
Prices from insurers will vary depending on who you speak to, which is why iLL is the perfect place to find the best impaired high cholesterol life insurance specialist.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if you have very high cholesterol, are overweight and you are not taking your medications to lower your cholesterol levels, there is a great likelihood of you making a claim to an insurance company in future, and a loading fee may be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal for high cholesterol life insurance. Just fill in the form below.

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Which companies offer life insurance for people with high cholesterol?

iLL works with many of the UK’s leading life insurance providers. With our panel of FCA- registered impaired life insurance specialists, you can receive quotes from more than one life insurance broker. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:

  • A great price on cover for high cholesterol life insurance
  • Substantial cover to give you and your family peace of mind
  • An insurer with a detailed understanding of high cholesterol
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Further cover for high cholesterol life insurance

Critical illness cover for high cholesterol sufferers

Insurers deal with applications for high cholesterol critical illness cover in the same way that they do life insurance. If you take medications to manage your high cholesterol, keep an eye on your weight, try and live an active lifestyle and keep your condition under control, you are likely to be eligible for standard rates of critical illness cover. An insurer may request further details from your GP, or want a recent cholesterol reading. Medications, BMI and age can result in higher premiums, but this depends on your circumstances.
iLL’s policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. We take the legwork out of finding the right insurance cover for your needs.

Help and support

For more information, help and support about high cholesterol, visit the following links:
British Heart Foundation

Heart UK

At iLL, we like to make the purchasing of life insurance as straightforward as possible. If you have high cholesterol, it can be difficult to know where to find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for quotes. Our free service can help you find the most comprehensive cover at the best price.

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