Cholesterol and Life Insurance

Cholesterol in your labs has a direct impact on your pocketbook. Life insurance companies have specific targets for cholesterol, HDL ratio, liver enzymes and several other measures. Miss by a few points and it costs you money.

Here is the cholesterol effect on your pocketbook for one popular life insurance company. The dollars shown are annual premiums for a $500,000 20 year term policy for a non-smoking male age 45.

Life insurance companies all have different underwriting guidelines, although they don't differ too much on the issue of cholesterol. Other factors influencing your premium are height and weight, blood pressure, medications, health history, family history, and various occupational and lifestyle factors. You should consult your life insurance agent for additional details and for premium quotes specific to you.

Additionally, we have software at our BudgetLife.com Website that will allow you to find your own quote, based on your cholesterol and other specific details. Just answer the questions, and the software will sort the companies available to you based on their premiums. To learn how to use this software, just call our office at 800-505-9412.

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