High Cholesterol and American National Life Insurance

Ty Stewart - Founder - SimpleLifeInsure.com Written by Ty Stewart - Last Updated October 18, 2018

If you’re trying to get affordable life insurance and have high cholesterol, American National is one of the top rated companies that insures people with hyperlipidemia.

How high cholesterol affects their life insurance rates and the requirements you’ll have to meet to purchase a policy are both detailed below.  But first, we’ll explain to you how American National views this health condition and what they look for when you apply.

How Does ANICO Look at Cholesterol Levels?

All life insurance companies are in the business of judging risk.  When you apply for a policy, they will examine your risk of death measured against their interest earnings.

Since high cholesterol is a major contributor to heart disease and stroke, both leading causes of death, they’ll examine 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 you apply, you may or may not be required to take a health exam.  Depending upon your cholesterol levels, it may be in your best interest to have an exam to provide your current lab results.  Under certain circumstances, they may not require a health exam in exchange for rates that are a bit higher.

Next, they’ll review your health status and assign you to a health class.  The class you’re assigned to will determine how much you’ll pay for insurance.  To determine this, an underwriter uses a formula that takes into account your cholesterol levels, age, and other medical conditions.

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

Preferred Plus

Under age 61

Total Cholesterol less than 300

Total Cholesterol to HDL ratio less than 4.5

Medication OK

Age 61+

Total Cholesterol less than 300

Total Cholesterol to HDL ratio less than 5.0

Medication OK


Total Cholesterol less than 300

Total Cholesterol to HDL ratio less than 5.5

Medication OK

Standard Plus

Total Cholesterol less than 300

Total Cholesterol to HDL ratio less than 6

Medication OK

One great thing about American National, that sets them apart from some other companies, is that they allow the use of cholesterol controlling medications in all rate classes.

Compare Cholesterol Guidelines at Top Insurance Companies

About High Cholesterol

Nearly twenty-nine million American adults have cholesterol levels over 240, according to the Centers for Disease Control.  Only half of the people who should be taking medication actually do.  Even more shocking is that nearly seven percent of adolescents between ages six and nineteen suffer from the condition.  Since high cholesterol has no symptoms, everyone should have their cholesterol checked as part of their routine medical care.

There is evidence that your risk for high cholesterol increases depending upon your geographic location.  Other risk factors include an unhealthy diet, physical inactivity, lifestyle habits, sex, ethnic group, and age.

Since high cholesterol doubles your risk of heart disease and increases your risk of stroke, it’s easy to see why American National is so concerned with your numbers.facts about high cholesterol

Along with knowing your controllable risk factors, it’s crucial to understand how cholesterol works in the body so you can keep your levels in check.

Cholesterol is a fat-like, waxy substance your body needs.  Simply put, when you have too much bad cholesterol, it can build up on your artery walls and lead to Atherosclerosis, which can cause a heart attack or stroke.  It can also cause angina, coronary heart disease, and kidney disease.

Good vs Bad

Your good cholesterol, or high-density lipoprotein (HDL), travels through your body and picks up excess cholesterol and returns it to your liver so that your body can eliminate it.

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 resulting in atherosclerosis.

When you envision your good and bad cholesterol moving throughout your bloodstream in this way, it’s easy to understand why it’s so important to prevent high cholesterol.

Most causes of high cholesterol are lifestyle related and controllable risk factors include:

  • Unhealthy diet
  • Lack of physical activity
  • Smoking
  • Obesity
  • Diabetes

High cholesterol can be lowered with lifestyles changes, such as:

  •  Eat a heart-healthy diet
  • Losing weight
  • Quit smoking
  • Increase exercise
  • Take medication as prescribed
  • Routine medical monitoring

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

About American National

American National was founded in 1905 and named to Forbes “Most Trust Worthy Financial Companies” list in 2017.  Having been in business for over a century, they currently have over $100 billion in life insurance policies in force.

American National insurance company

They are rated financially strong by the following independent insurance rating agencies:

A.M. Best:  A

Standard and Poors:  A

These ratings are a strong indicator of the financial health and strength of a company that assures you that they’ll be able to pay out death claims in the future.

Their life insurance offerings include:

  • Whole Life
  • Term Life
  • Universal Life
  • Indexed Universal Life
  • Variable Life
  • Credit Life

They insure over 50 million policy-holders and are headquartered in Galveston, Texas, where they employ over 3000 people.

How to Find the Best Life Insurance Company if your Cholesterol is High

American National seems like 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 stay on top of the ever-changing underwriting guidelines to ensure that you apply to the right company for your specific situation.

It’s our job to understand your needs and find you the right coverage for the lowest 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’re 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 National underwriting guidelines at this time. Guidelines are subject to change at any time. We are not an employee of American National 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
Avatar for Ty Stewart
Ty Stewart is the founder of SimpleLifeInsure.com. 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.

Posted in Cholesterol, Pre-Existing Conditions