I'm Ty Stewart, founder of SimpleLifeInsure.com.  I'm an independent agent who works with clients nationwide to secure affordable life insurance and make the process simple and easy.  This article draws upon my years of experience working with clients, carriers, and underwriters.  My team and I focus solely on life insurance, and we have put over 9,000 policies in force.  Let us know if we can help.  There is never any cost or pressure when using our services.

How American General (AIG) Looks at Cholesterol Levels

Written by Ty Stewart - Last Updated October 18, 2018

If you have high cholesterol and are looking for affordable life insurance, top-rated American General Life Insurance Company (AIG) is a good choice to consider.

Here we’ll cover how you can get their life insurance if you have high cholesterol and how it will affect your insurance rates.  But first, we explain how AIG views this health condition and what they look for when you apply.

How American General Considers High Cholesterol During Underwriting Decisions

All life insurance companies are in the business of judging risk, and AIG is no different.  Since high cholesterol is a major contributor to heart disease, peripheral artery disease, and stroke, they will take a careful look at your cholesterol levels and overall health.

Specifically, they’ll look at your:

  • HDL
  • LDL
  • Total Cholesterol
  • Triglycerides
  • Total Cholesterol to HDL Ratio

Typically, if you meet the following thresholds, your cholesterol levels will NOT affect the rate you pay:

Total CholesterolLess than 200 mg/dl
LDLLess than 100 mg/dl
HDLOver 40
Total Cholesterol to HDL ratioLess than 3.5
TriglyceridesLess than 150 mg/dl

When they receive your application, they may or may not require you to have a health exam.  To receive their best rates, it may help to undergo a medical exam to provide them with your current cholesterol levels.  Under certain circumstances, they may not require a health exam in exchange for rates that are a bit higher.

After reviewing your health status, you’ll be assigned to a health class, which will determine the cost you’ll pay for insurance.  To determine your class, an underwriter will use a formula that includes your cholesterol levels, age, and other medical conditions.

At AIG, you may qualify for their top health classes and receive the lowest rates if your cholesterol levels meet these guidelines:

Preferred Plus

Total Cholesterol less than 215

Total Cholesterol to HDL ratio less than 5.0

Or

Total Cholesterol less than 290

Total Cholesterol to HDL ratio less than 4.5

Medication OK

Preferred

Total Cholesterol less than 245

Total Cholesterol to HDL ratio less than 6.0

Or

Total Cholesterol less than 290

Total Cholesterol to HDL ratio less than 5.5

Standard Plus

Total Cholesterol less than 260

Total Cholesterol to HDL ratio less than 7.0

Or

Total Cholesterol less than 290

Total Cholesterol to HDL ratio less than 6.5

As noted above, you can get the best rates while on medication if your total cholesterol is less than 290, with total cholesterol to HDL ratio of less than 4.5.

See Cholesterol Guidelines at Multiple Top Insurance Carriers

Learn about High Cholesterol

Thirty-five million American adults have cholesterol levels of 240 or higher, according to the Centers for Disease Control.  High cholesterol is a major contributor to heart disease, which is a leading cause of death in the United States.

High cholesterol has no symptoms and the only way to detect it is through a blood test.  Everyone has both good and bad cholesterol in their blood.  Both attach to proteins to form what is called, lipoproteins.

What is Good Cholesterol and What is Bad Cholesterol?

Your good cholesterol, or high-density lipoprotein (HDL), travels through your blood and picks up excess cholesterol and returns it to your liver in to eliminate it from your body by converting it to bile salts.

However, your bad cholesterol, or, low-density lipoprotein (LDL) is silently carried throughout your body and deposited onto the walls of your arteries, which can cause them to narrow and harden.

When you envision your good and bad cholesterol moving throughout your bloodstream in this way, it’s easy to understand why your total cholesterol ratios are so important in determining how much you’ll pay for life insurance.

Atherosclerosis, a condition caused by bad high cholesterol, is what leads to heart attack and stroke.  It’s caused by the accumulation of plaque buildup on the inside of artery walls, which reduces blood flow and oxygen to cells.  It can also cause angina, coronary heart disease, and kidney disease.  While most causes of high cholesterol are lifestyle related, some are genetic so medical care is important.  It is very helpful to understand your risk factors for high cholesterol.

The major contributors to high cholesterol include:

  • Diet high in trans fat
  • Lack of exercise
  • Smoking
  • Obesity
  • Diabetes

High cholesterol can be prevented with:

  • Heart-healthy diet
  • Weight loss
  • Quit smoking
  • Increase exercise
  • Taking medication as prescribed

Now that you know how AIG views high cholesterol and what their parameters for coverage are, next we’ll cover some of their vital company information.

About American General the Company

American General is a top-rated company that offers a wide selection of life insurance products, including:American General (AIG) life insurance company

  • Term Life
  • Guaranteed Issue Whole Life
  • Quality of Life Insurance
  • Universal Life Insurance
  • Variable Universal Life
  • Accident and Health

They have been in business nearly one hundred years and are known for delivering value and efficiency.  As one of the largest insurers in the world, they serve ninety million customers in more than one hundred countries.

Industry Credit Ratings

They are financially strong, assuring you that they will be around to pay out death claims in the future.  They enjoy some of the industry’s highest ratings for financial strength and performance and are rated “superior,” by A. M. Best, an independent rating agency.  Not only fiscally strong, they are the epitome of resiliency.  Since their government bailout during the 2008 financial crisis, they went on to repay their debt in full, with interest.

They have received numerous awards and recognition, such as:

  • Diversity Inc named AIG one of 25 Noteworthy Companies for Diversity
  • Ward’s 50 Top Performance for safety, consistency, and performance
  • Business Insurance Innovation Awards

How to Find the Most Affordable Life Insurance with High Cholesterol

AIG is a great option but are they the right company for you?

When you have high cholesterol, knowing where to apply for life insurance is very important.  We are on top of the ever-changing underwriting guidelines so we can help you cut through the clutter and get you connected with the right company.

It’s our job to understand your needs and find you the right coverage for the best rates.  We’ll listen to you, answer your questions, and then shop around 50+ top-rated carriers to find the best fit for your unique situation.

There is no cost or obligation for you to use our expertise. If you are ready to get started, please fill out the quote form on the site and we’ll be in touch soon.

The opinions in this article are based on our knowledge of the American General Life Insurance Company underwriting guidelines at this time. Guidelines are subject to change at any time. We are not an employee of American General Life Insurance Company but rather an independent agent contracted to work with them as well as 50+ other carriers. Our business is placing clients with the right company.

About Ty Stewart
Ty Stewart is the founder of SimpleLifeInsure. He is an independent life insurance agent that works for his clients nationwide to secure affordable coverage while making the process simple. There is never any cost to use his services.

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