Quick Answer
Getting burial insurance with high cholesterol is usually easier than people think. Most insurance companies don’t ask about high cholesterol or cholesterol medications, so it often won’t stop you from qualifying. Your best option is a first-day coverage plan with no waiting period. If you had a recent stroke because of high cholesterol, most companies won’t approve first-day coverage until two years have passed.
Here’s What This Means for You:
- High cholesterol rarely disqualifies you from life insurance coverage
- Poor control can raise your rates or limit your policy options
- Some companies charge more even for mild or treated cases
- Applying with the wrong company can cost you better pricing
- Very high levels with other issues can lead to denial
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Can I get burial insurance with high cholesterol?
YES: Most insurance companies don’t ask about high cholesterol or cholesterol medications.
NO: If you had a recent stroke because of high cholesterol, most companies will not approve you for first-day coverage until two years have passed from the day of your stroke.
What is my best insurance option if I have high cholesterol?
Your best insurance option is a first-day coverage plan. This insurance has no waiting period. You will also pay the lowest rate with this plan.
Do I need a medical exam to qualify for burial insurance?
Medical exams, blood tests, and urine samples are not required to get approved if you have high cholesterol.
How much does burial insurance cost if I have high cholesterol?
The cost of burial insurance will depend on your:
- Age
- Coverage amount
- Gender
- General health
- State of residence
- Smoking status
- Type of policy
Burial insurance underwriting if you have high cholesterol
The insurance company will check your prescription history to verify your health and any history of high cholesterol levels.
Some common medications prescribed for cholesterol control are:
- Atorvastatin (Lipitor)
- Fluvastatin (Lescol)
- Pitavastatin (Livalo)
- Pravastatin (Pravachol)
- Rosuvastatin calcium (Crestor)
- Simvastatin (Zocor)
Taking any of these medications will not affect your burial insurance eligibility with most life insurance companies. If you are taking other prescription medications, additional underwriting will be necessary to qualify for 1st-day coverage.
How to get the best burial insurance rates
The best way to get the best rates on burial insurance if you have high cholesterol is to work with an independent agency like Final Expense Guy. Our independent life insurance agents will compare companies offering first-day coverage insurance and recommend the best life insurance companies with the best pricing.
How to apply for burial insurance with high cholesterol
- Consult with an Independent Insurance Agent – Ask for assistance from independent insurance agents specializing in underwriting for people who have high cholesterol. They can help you understand your options, compare quotes, and choose the most suitable burial insurance plan.
- Complete the Application Honestly – When filling out the life insurance application with your agent, be truthful about your high cholesterol level and provide accurate details about your health, treatments, and any lifestyle changes you’ve made.
- Review and Confirm Policy Details – Carefully review the life insurance policy terms before confirming your acceptance. Make sure the insurance coverage meets your needs and your budget.
Frequently asked questions
Is high cholesterol a big deal in life insurance?
Most life insurance companies don’t ask about high cholesterol on their health questionnaire.
Can you get life insurance with high triglycerides?
Yes, you can qualify for first-day coverage insurance if you have high triglycerides.
Can I be denied life insurance for high cholesterol?
Getting denied is not an issue unless you have significant cardiovascular issues.
What is my best insurance option if I have high cholesterol?
Your best insurance option is a first-day coverage plan with no waiting period. Never buy a 2-year waiting period plan if your only health issue is high cholesterol.
Is high cholesterol a pre-existing condition for life insurance?
Yes, but they approve of this pre-existing condition for 1st-day coverage.
Can high cholesterol affect your life insurance rates?
No, high cholesterol will not affect your life insurance rates.
Is there an age limit for burial insurance with high cholesterol?
You can qualify for a first-day coverage plan if you are 18-89.
