When shopping for life insurance it's important to pay attention to your cholesterol. This ‘cheat sheet’ idea is brought to you by BulletProof. 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. A simple blood test is used to analyze how much “bad” and “good” cholesterol you have. Why? The Impact of High Cholesterol on Your Life Insurance Policy. Fasting for twelve hours before an exam may also lower your cholesterol. 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 … Good Cholesterol, Bad Cholesterol, & Total Cholesterol. 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. Assessing Cholesterol Levels for Life Insurance. The healthier the measurements and lab results, the lower the premiums you'll pay for coverage. Just like with exercise, it’s a great way to get better results from the medical exam, which means cheaper life insurance. The crux of this entire article rests on this answer. Our list of ways to lower your cholesterol and life insurance rates will save you money. It includes height, weight and blood pressure checks, as well as blood or urine samples and a request for medical history. 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. If you already knew your cholesterol levels were high, this might not come as much of a shock to you. When you apply for a life insurance policy, you will have to take a medical exam. Why are we even trying to lower our cholesterol so quickly? During this exam, you will be asked questions about your family history, lifestyle, and smoking and alcohol usage. 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. Test results: ideally low cholesterol levels. Lower Your Risk in Other Ways Maybe you wish to show your health or life insurance company a certificate of health. 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. Action you can take: Get your own physical, assess your health problems, and start working on them before applying for coverage. It certainly involves a blood test. 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 was also 180lbs at the time. A life insurance medical exam takes about 20 minutes. No Exam Life Insurance With High Cholesterol. Avoid alcoholic beverages for a minimum of twelve hours prior to the examination. Limit coffee and smoking for at least an hour prior to the examination. 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. No history of heart attacks or heart disease in my family and my parents/siblings all have normal cholesterol levels. I did a genetic test for FH but came back negative. Also, your past cholesterol levels will have little effect on your life insurance if you’ve successfully lowered your levels. 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