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High Cholesterol Life Insurance

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High Cholesterol Life Insurance

Our team of life insurance experts has helped thousands of people with pre-existing medical conditions such as High Cholesterol to get the right cover to protect them and their families financial future at the right price. We aim to make sure that you get the best possible life insurance policy for your family and we also want to save you money by searching the whole market to find the best insurance provider for you.

How Cholesterol Life Insurance works:

Some key factors that will be taken in to account when underwriters are reviewing an application for High Cholesterol Life Insurance:

  • Date of Diagnosis
  • Treatment / Medication
  • Readings (any fluctuations or changes)
  • Related conditions (e.g. Hypertension, Diabetes, Heart Conditions etc.)
  • BMI (Height / Weight)

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions such as High Cholesterol. We have been helping to protect individuals, families and businesses financial futures since 1999 and helped thousands of people to find the cover they need at an affordable price.

high cholesterol test


High Cholesterol Life Insurance

Most people who have High Cholesterol and need life insurance will generally not have a problem getting cover and in most cases we are able to get High Cholesterol life insurance at standard rates so with no increase in premium. With all applications for High Cholesterol life insurance you would need to know your latest Cholesterol readings as well as provide details of any medication being taken (e.g. name of medication and dosage). A Cholesterol reading of up to 6 would usually be accepted at standard rates with no premium loading and should also be accepted online without needing medical evidence from your GP or a medical.

Applications for High Cholesterol life insurance where there have been issues such as:

  • Changes / increases in medication recently
  • Readings above 6
  • More than 2 medications being taken
  • High BMI

These issues will usually result in some additional underwriting and further medical information being required for High Cholesterol life insurance. If any of these issues are bad enough to be seen as a problem by life insurance underwriters then there may be an additional loading applied to your premiums due to the increased risk.

If you already have High Cholesterol life insurance in place or have had special terms imposed in the past on an existing policy then it is usually worth reviewing your cover to see whether any savings can be made based on your current circumstances.


High Cholesterol Critical Illness Cover

Critical illness cover for people with High Cholesterol is also generally available and especially where the condition is mild with good control through medication or diet. High Cholesterol critical illness cover rates can vary where there are other related medical conditions, such as:

  • Diabetes (Only Type 2 Diabetes considered)
  • Hypertension (High Blood Pressure)
  • Angina
  • Underactive Thyroid
  • Stroke / TIA

Underwriters will need to know your most recent reading, medication (e.g. name of medication and dosage) and any related conditions (as above) when assessing levels of risk for High Cholesterol critical illness cover. As a general rule for anyone with High Cholesterol looking for critical illness cover there will be a requirement to provide further medical evidence from your GP or to complete a medical / nurse screening.

If you already have High Cholesterol critical illness cover in place, have been declined cover in the past or have had cover accepted on special terms then it will be worth reviewing your cover to ensure that you have the best cover in place based on your current circumstances.


High Cholesterol Income Protection

As with the other insurance products above, income protection for people with High Cholesterol is generally readily available and can even be accepted at standard rates with no exclusions. High Cholesterol income protection underwriting will always be stricter than life insurance or critical illness cover because of the increased risk of claims.

Applications for High Cholesterol income protection will need to be supported with details of your latest readings, medication (e.g. name and dosage) and any related conditions or complications. If you have any issues in recent years then you may find that rates for High Cholesterol income protection will be increased or some policy exclusions may apply. Some related conditions such as Diabetes will mean that income protection could be declined all together but it is worth checking with us to see what we can do for you.

If you already have High Cholesterol income protection in place, have been declined previously or have cover that has been accepted on special terms then it will often be worth reviewing that cover based on your current circumstances, especially if there has been an improvement.


Independent Reviews at


Case Study 1

  • Client: Male
  • Age: 43
  • Smoker status: Non-smoker
  • Medical condition: Type 2 diabetes, high blood pressure and high cholesterol
  • Cover date: June 2019
  • Product type: Increasing life insurance
  • Cover amount: £200,000
  • Cover term: 25 years
  • Premium: £36.68

We were approached by this gentleman on the 23rd April when he completed an enquiry through diabetes.co.uk. Our advisor Suzie then got in contact with him to discuss his life insurance needs and his pre-existing medical conditions. At this point he confirmed that he was looking for £200,000 over a 25-year period to cover his mortgage and to leave something behind for his family. He then went on to explain that he was a type 2 diabetic with high blood pressure, high cholesterol and had previously had bowel polyps removed. Suzie then took this information and applied the gentleman to one of our mainstream providers and managed to secure him £200,000 of life insurance cover for a 25-year period for a monthly premium of £36.68. This is an amazing premium considering the gentleman’s medical history and the amount of cover he wanted. Overall, the he was very pleased that we were able to find him cover at a price that he could afford as he now has peace of mind that his mortgage and family will be protected should he pass away unexpectedly.

As a whole, we were delighted that we were able to get protection for another customer, so that he now knows that he is covered should the worst happen. It is a great feeling when we find cover for a customer, especially if they have been struggling due to a pre-existing medical condition. We are passionate about protecting families and we want to help as many people as possible to get covered.

Most Common Questions:

How does having High Cholesterol affect Life Insurance?

Usually there will be no additional loading or increase in premiums where High Cholesterol is a problem but is well controlled with medication. Some people are also put on High Cholesterol medication as a preventative measure which will generally be viewed by underwriters as no issue. For High Cholesterol life insurance, critical illness cover or income protection you will always need to provide details of your most recent readings and medication (e.g. name and dosage).

What if I have High Cholesterol life insurance in place already?

If you already have High Cholesterol life insurance, critical illness cover or income protection then it could be worth reviewing that cover, especially where:

  • Readings have improved (e.g. more stable or reduced)
  • Medication has reduced
  • Quit smoking
  • Lost weight (reduced BMI)

In most cases we see where we are reviewing an existing High Cholesterol life insurance policy we can reduce premiums and especially where cover was previously accepted with special terms. You may also need to review your existing cover if your personal circumstances have changed such as moving house, changing jobs or having children.

Why should I pay more for High Cholesterol life insurance?

If your life insurance has been accepted and offered at a higher rate than normal because of your High Cholesterol and other issues relating to your current health then there will be some risk related issues that underwriters will have identified. High Cholesterol life insurance on its own is usually not an issue and causes no problems as far as the application process is concerned, however if your lifestyle is not particularly healthy and you have other issues then there could be an increase to the premium you pay.

Related conditions Life Insurance:


Facts and Statistics about High Cholesterol:

Cholesterol is vital component for the body to function normally which is something that most of us are not aware of. The substance itself is known as a ‘Lipid’ which is a fatty element and is generally made by your liver as well as being present in certain types of food.

For people who have High Cholesterol levels will generally find that there are no symptoms and it is usually detected by your GP or during a medical examination. Although it is not considered to be serious, if left untreated and no changes to lifestyle then it can cause serious long lasting health issues or result in other conditions, such as Coronary Heart Disease (CHD), Type 2 Diabetes, Heart Attack or Stroke.


High Cholesterol statistics:

  • Over 50% of UK adults have High Cholesterol (over 5mmol)
  • 160k people die from Hearth and Circulatory Disease every year
  • A person has a Heart Attack every 7 minutes in the UK
  • A person has a Stroke every 12 minutes in the UK
  • 4 million people in the UK currently have Diabetes


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For more information or advice about High Cholesterol life insurance please do not hesitate to contact our team of experts on 0800 083 2829.


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