Life insurance with High Cholesterol
Finding Life Insurance with High Cholesterol is often possible at standard rates if you have a stable and well controlled condition.
Those with higher cholesterol readings and changes to the medication, other conditions or complications or certain lifestyle indicators may also see increased premiums
The condition presents increased risk to longevity the higher the Cholesterol reading and the more medications that are required. Life Insurance premiums are likely to be higher and some insurers may decline to cover you.
The following is aimed at those who have been diagnosed with High Cholesterol and are seeking Life Insurance.
Key Issues for High Cholesterol
If you have been declined for Life Insurance by other insurers, that may not mean Life insurance is totally unavailable. Pulse Insurance specialise and may well be able to find cover for those with High Cholesterol and other conditions, when other insurers decline.
The main aspects affecting the availability and cost of Life Insurance for those with High Cholesterol are: -
- Your Age
- Your Cholesterol reading and its stability
- Control through medication(s)
- Other Health conditions
- Lifestyle choices
- Alcohol consumption
Make an Enquiry
Please complete our Enquiry form and do not hesitate to call us for help on 01280 841430.
Pulse specialise in taking your High Cholesterol and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
Why Pulse Insurance?
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are rather good at helping people find the cover they need.
In 95% of High Cholesterol cases we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.
It is always important to declare your High Cholesterol and any other medical conditions completely. Failure to be transparent with any insurer can result in a claim being denied – confounding the very reason for paying any premium in the first place.
Your Personal & Medical Details
Everything you disclose about your High Cholesterol to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Every person with High Cholesterol knows that their state of health, any complications and their lifestyle will impact their risk and the cover available. These factors will be explicitly considered when determining the fair premium, you would pay.
Your Pulse underwriting specialist will look to gain a detailed picture of your condition and you should take care to disclose everything.
Requirements for more information
While our initial enquiry may gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your High Cholesterol and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone ever. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
- Beyond Life Insurance
- More Life Insurance
The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.
Useful High Cholesterol resources
We suspect if you have read this far, you are relatively well informed about your High Cholesterol .
You may know of or find these external resources useful; although Pulse are inevitably not responsible or in control of the accuracy or nature of the information provided.