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If you have a preexisting health condition, such as high cholesterol, shopping for affordable life insurance can seem daunting.
But it doesn’t have to be…
There are many top-rated companies that insure people with hyperlipidemia or high cholesterol, such as Assurity Life Insurance Company.
Assurity Underwriting Guidelines for High Cholesterol
If you have high cholesterol, Assurity has some thresholds that you must meet to qualify for their best rates. However, before we get into that, we’ll explain how they view this health condition and what they’ll look for when you apply.
All life insurance companies are in the business of judging risk, so they perform a risk assessment on all applicants. This evaluation measures your risk of death against the investment earnings of their policyholders.
Since high cholesterol can lead to risky health problems such as high blood pressure, heart and kidney disease, and stroke, they’ll carefully look at your:
- Total Cholesterol
- Total Cholesterol to HDL Ratio
Typically, if you meet the following thresholds, your cholesterol levels will not affect the rate you pay:
|Total Cholesterol||Less than 200 mg/dl|
|LDL||Less than 100 mg/dl|
|Total Cholesterol to HDL ratio||Less than 3.5|
|Triglycerides||Less than 150 mg/dl|
During the application process, 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.
After an underwriter determines your health status, you’ll be assigned to a health class. This class establishes how much you’ll pay for insurance. Your rates are calculated using 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:
Total Cholesterol less than 210
Total Cholesterol to HDL ratio less than 4.5
Medication NOT permitted
Total Cholesterol less than 250
Total Cholesterol to HDL ratio less than 5.0
Cholesterol medication, called statins, is not permitted on their Preferred Plus plan. However, the good news is, if you need medication to control your levels, you may still qualify for their Preferred rates.
About High Cholesterol
High cholesterol is a common medical problem that contributes to several serious diseases. It has no symptoms and without routine medical care, can go undetected. People of all ages can have the condition.
Most often the result of lifestyle choices, it can also be caused by certain genetic conditions which can put children at an earlier risk of heart and vascular disease.
Since high cholesterol increases your risk of death by heart attack, stroke, diabetes, and kidney disease, it’s easy to understand why Assurity is concerned about your levels.
Understanding what high cholesterol is and how to prevent it is important for everyone.
Cholesterol is a fat-like, waxy substance your body needs to build cells. Simply put, when you have too much bad cholesterol, it can build up on your artery walls and lead to Atherosclerosis, which can lead to a heart attack or stroke. It can also cause diabetes, angina, coronary heart disease, and kidney disease.
Good vs Bad Cholesterol
Your good cholesterol, or high-density lipoprotein (HDL), travels through your body and picks up excess cholesterol and returns it to your liver so your body can process and 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.
Triglycerides or lipids also play a role. Triglycerides are the fat in your blood and used to give your body energy. When you have too much, it is stored as fat on your body. Good triglyceride levels help decrease bad cholesterol and reduce your risk of heart disease.
According to the National Cholesterol Education Program, a normal level is less than 150 milligrams per deciliter. Borderline high is 150 to 199, high is 200 to 499, and very high is 500 or more.
Knowing that your HDL can help lower your LDL, and that a low HDL can increase your risk of heart disease, it’s easy to understand why it’s so important to prevent high cholesterol as well as maintain a healthy lifestyle.
According to the American Heart Association, you can help reduce high cholesterol levels with lifestyle changes such as:
- Eating less saturated and trans fats
- Eating more vegetables, fruit, poultry, fish, and grains
- Limiting sugary treats and beverages
- Getting more exercise
- Eliminating tobacco and alcohol use
Now that you know how Assurity views high cholesterol and what their parameters for coverage are, next we’ll cover their company information.
About Assurity Life Insurance Company
Assurity was founded in 1890, with a goal of “helping people through difficult times.” For over a century, they have maintained that mission.
They are a mutual organization, which means they have no publically traded stock or shareholders to please. This allows them to make corporate decisions that are in the best interest of their policyholders.
Assurity is a marketing name coined for their holding company, Assurity Group, Inc., which includes Assurity Life Insurance Company and Assurity Life Insurance Company of New York.
They are very proud of their commitment to social responsibility to their employees, community and environment. As such, in 2015 they became a certified B Corporation by the nonprofit B Lab, which means they met rigorous standards for social and environmental performance, accountability and transparency.
Rated A- Excellent by the industry’s leading independent evaluator, A.M. Best, they have a stable financial outlook and an excellent expected ability to pay out on future death claims.
In 2016, they paid out $128.3 million in living benefits to our policyholders, $14.9 million in dividends, and $63.5 million in death benefits to beneficiaries.
Their life insurance products include:
- Whole Life
- Term Life
- Universal Life
- Accidental Death
Best Life Insurance for High Cholesterol
Assurity is a great option for those with high cholesterol but are they the right fit for you?
When you have a health condition, such as high cholesterol, knowing where to apply for life insurance is essential. We stay on top of the ever-changing underwriting guidelines to ensure that you apply to the right company for your situation.
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’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 Assurity Group, Inc. underwriting guidelines at this time. Guidelines are subject to change at any time. We are not an employee of Assurity Group, Inc. 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.