***To get the best affordable quotes from top-rated A+ insurance companies near you, please fill out the quote tool on the right. If you’re dealing with other health issues aside from high cholesterol, it would be best to call us to better help you.
The Real Truth About Final Expense Insurance For People With High Blood Cholesterol Issues
So, you have high cholesterol issues and wondering if your cholesterol problems will affect your eligibility for burial or final expense insurance coverage.
Let’s answer that now…
What is considered high cholesterol for life insurance? having high cholesterol and taking medications for it WILL NOT affect your eligibility for burial or final expense insurance coverage or affect the quality of the policy plans you’ll be offered. It may be considered a pre-existing condition, but a minor one.
In fact, high cholesterol is extremely common that in the U.S. 95 million adults at the age of 20 or older have total cholesterol levels higher than 200 mg/dL. This is one of our qualified health impairment!
We have helped countless clients with high cholesterol get the best burial or final expense insurance from top-rated A+ insurance companies in the country.
Now, let us help you.
Burial or Final Expense Insurance Companies And High Blood Cholesterol
Let’s start with the good news!
Now, straight to the point! Insurance companies couldn’t care less if an applicant has high cholesterol or taking medication for it.
Yup! You will be offered a coverage plan with the lowest rate and with no waiting time period- this means that even on day 1 if you die for some reason—perish the thought—your
beneficiaries will get the full face amount of the death benefit of your final expense insurance plan. Amazing! Right?
Wait, there’s more good news!
A physical or medical exam will not be required by burial or final expense insurance companies!
But wait! How can that be? Because having high cholesterol in the blood increases the risk of getting heart disease and stroke which are 2 of the leading causes of death in the U.S.
Because finding this page and reading about burial insurance for high cholesterol, would likely mean that you, (like a lot of people) are a sensible person and that you’re taking good care of yourself by eating healthy, managing your LDL levels and leading a healthy life!
Essentially, insurance companies know that having high cholesterol nowadays (with the advancement of medicine and paired with a healthy lifestyle) will not put anyone at immediate risk.
The Cons Of High Blood Cholesterol Issues And Final Expense Policies
Now, the bad news…
There is none…
But if you have other serious health issues that may or may not resulted from having high cholesterol that insurance companies might be strict with, it’s critical that you get in touch with one of our independent and well experienced Final Expense Insurance Specialists.
High Cholesterol Is Something That You Should Not Be Taking For Granted.
So, as long as you are only dealing with high cholesterol only and have no other serious disease or illnesses that could affect the quality of insurance plans to be offered, you’re in the clear!
You will be offered a burial or final expense insurance policy with the lowest rate and has immediate insurance coverage from day 1- this is usually called “simplified”, “preferred”, or “level” type of plan.
So, do insurance companies offer simplified insurance coverage right away? Well, not yet, you still need to go through an underwriting process.
Underwriting Process Of High Blood Cholesterol
Even if you only
have high blood cholesterol that most burial insurance companies are not strict
about, anyone who wants to get the best lowest cost coverage plan possible,
like a simplified plan, will always have to go through an underwriting process.
In the underwriting process, insurance companies will ask about the following:
- Questions about your health and ask if you have other illnesses.
- Prescribed medication history
These are the aspects of your overall health they will look into, to assess if you might have other illnesses now and other serious illnesses that you may had in the last 24 months.
Health Questions About High Blood Cholesterol
There is none, you will not be asked if you have high blood cholesterol.
Keep in mind, insurance companies will only ask about the diseases or health conditions that they are strict about. So, if something does not come up, they most probably won’t care about it.
The health questions will mostly ask about your lifestyle, other diseases or illnesses, or other serious diseases that you might have from the last 24 months.
So if you do, please contact us right away for us to help you in answering these questions tactically with the utmost truth to get you the best possible coverage plan whatever your other diseases might be!
Prescribed Medication History Assessment
These are the common medications to lower low-density lipoprotein (LDL) your “bad” cholesterol. You can be taking one or more, or all of them and insurance companies won’t care enough to be strict about it.
- Atorvastatin (Lipitor)
- Fluvastatin (Lescol)
- Pitavastatin (Livalo)
- Pravastatin (Pravachol)
- Rosuvastatin calcium (Crestor)
- Simvastatin (Zocor)
Prescribed medication history assessment is the due diligence that insurance companies take measure on to discover serious health issues that might not have been answered correctly or truthfully in the underwriting health questions.
In fact, they are usually in combination with high blood pressure medication.
How To Find The Best Burial or Final Expense Insurance For Clients With High Blood Cholesterol
You need a highly experienced insurance agent that can summarize everything up to you to go through all of these intricacies of the underwriting process of insurance companies and secure the lowest possible cost insurance plan for high blood pressure.
We here at InsuranceForBurial.com are formed by a team of veteran final expense insurance specialists that has a passion to find the best possible burial insurance policy no matter what their diseases are or health issues.
We have over 26 years of experience helping clients and are licensed in 49 states. We only represent top-rated A+ insurance companies that offer excellent final expense insurance plans at affordable rates.
What we only need from you is a little bit of your time to know your details.
We have a masterful knowledge of the underwriting process and rates of the country’s best insurance companies, so with your details, we can absolutely tell you which company offers the lowest rates!
Talk to us now! We promise you a simple no non-sense interview process with no pressure.