The Impact of High Cholesterol on Your Life Insurance Policy. 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. Maybe you wish to show your health or life insurance company a certificate of health. Lower Your Risk in Other Ways Why? Action you can take: Get your own physical, assess your health problems, and start working on them before applying for coverage. 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. Drink a glass of water an hour before the exam to … This ‘cheat sheet’ idea is brought to you by BulletProof. The healthier the measurements and lab results, the lower the premiums you'll pay for coverage. If you already knew your cholesterol levels were high, this might not come as much of a shock to you. Maybe you don’t want to go through all of the trouble of taking the exam, getting poked with needles, or taking time off work, then you have some options. Someone who learns about his or her high cholesterol during the life insurance medical exam is much more likely to get denied. A life insurance medical exam takes about 20 minutes. Our list of ways to lower your cholesterol and life insurance rates will save you money. Good Cholesterol, Bad Cholesterol, & Total Cholesterol. No history of heart attacks or heart disease in my family and my parents/siblings all have normal cholesterol levels. Also, your past cholesterol levels will have little effect on your life insurance if you’ve successfully lowered your levels. Avoid alcoholic beverages for a minimum of twelve hours prior to the examination. No Exam Life Insurance With High Cholesterol. Just like with exercise, it’s a great way to get better results from the medical exam, which means cheaper life insurance. As you can see, the exam part of the policy is very important. When you apply for a life insurance policy, you will have to take a medical exam. 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. I was also 180lbs at the time. Limit coffee and smoking for at least an hour prior to the examination. Higher than average cholesterol levels. There are two types of cholesterol: the good and the bad.The good cholesterol is called “HDL” (short for high-density lipoprotein), and can actually reduce the risk of heart disease and stroke. I did a genetic test for FH but came back negative. 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. During this exam, you will be asked questions about your family history, lifestyle, and smoking and alcohol usage. It certainly involves a blood test. Assessing Cholesterol Levels for Life Insurance. The crux of this entire article rests on this answer. A simple blood test is used to analyze how much “bad” and “good” cholesterol you have. When shopping for life insurance it's important to pay attention to your cholesterol. 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. Fasting for twelve hours before an exam may also lower your cholesterol. It includes height, weight and blood pressure checks, as well as blood or urine samples and a request for medical history. Your height-to-weight ratio can directly impact your quotes, so don’t risk slouching. 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