Assessing Cholesterol Levels for Life Insurance. I did a genetic test for FH but came back negative. Here’s something frustrating: after you put in your life insurance application, get the medical exam, and go through underwriting, your life insurance agent comes back and tells you that your rate got bumped up. A simple blood test is used to analyze how much “bad” and “good” cholesterol you have. Your height-to-weight ratio can directly impact your quotes, so don’t risk slouching. Why are we even trying to lower our cholesterol so quickly? Also, your past cholesterol levels will have little effect on your life insurance if you’ve successfully lowered your levels. During this exam, you will be asked questions about your family history, lifestyle, and smoking and alcohol usage. Avoid alcoholic beverages for a minimum of twelve hours prior to the examination. It certainly involves a blood test. Fasting for twelve hours before an exam may also lower your cholesterol. Just like with exercise, it’s a great way to get better results from the medical exam, which means cheaper life insurance. I was also 180lbs at the time. The life insurance company will base most of their decision on the medical exam you take for your life insurance application and your most recent results from your physician. The healthier the measurements and lab results, the lower the premiums you'll pay for coverage. Maybe you wish to show your health or life insurance company a certificate of health. This ‘cheat sheet’ idea is brought to you by BulletProof. No history of heart attacks or heart disease in my family and my parents/siblings all have normal cholesterol levels. Why? The best way to ensure that you’re getting the lowest insurance premiums when there is no cholesterol life insurance is to work with an independent insurance broker. It includes height, weight and blood pressure checks, as well as blood or urine samples and a request for medical history. The crux of this entire article rests on this answer. Since cholesterol levels can be controlled by making healthy lifestyle changes, making those changes before you apply for a life insurance policy will increase your chances of obtaining cheaper coverage. Action you can take: Get your own physical, assess your health problems, and start working on them before applying for coverage. Test results: ideally low cholesterol levels. When you apply for a life insurance policy, you will have to take a medical exam. Cholesterol is a major factor considered by life insurance companies in determining the … Good Cholesterol, Bad Cholesterol, & Total Cholesterol. Drink a glass of water an hour before the exam to … Our list of ways to lower your cholesterol and life insurance rates will save you money. When shopping for life insurance it's important to pay attention to your cholesterol. I’ve been a vegan, pescatarian, meat eater, low carb over that past 2 decades and the lowest my LDL ever got was 192 as a vegan. Higher than average cholesterol levels. If you already knew your cholesterol levels were high, this might not come as much of a shock to you. Limit coffee and smoking for at least an hour prior to the examination. During the life insurance medical exam, make sure to answer all questions honestly, remain calm (you want a low resting heart rate) and stand as straight as possible for your height measurement. Someone who learns about his or her high cholesterol during the life insurance medical exam is much more likely to get denied. As you can see, the exam part of the policy is very important. The Impact of High Cholesterol on Your Life Insurance Policy. Lower Your Risk in Other Ways No Exam Life Insurance With High Cholesterol. 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