How Foresters Views Cholesterol Levels for Life Insurance Applications

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

If you have high cholesterol and are shopping for affordable life insurance, we have good news; there are many top-rated companies, such as Foresters Financial, that will sell you a policy.

However, you probably have some questions such as:

How does high cholesterol affect insurance rates?

What is considered high cholesterol for life insurance companies?

And, how can I get life insurance if I have high cholesterol?

In this article, we answer these common questions, explain how life insurance companies view this medical condition, and tell you how you can qualify to purchase a policy from Foresters Financial.

How Foresters Considers High Cholesterol for Life Insurance

Since all life insurance companies are in the business of judging risk, they perform a risk assessment on all applicants before selling you a policy.  This evaluation measures your risk of death against the investment earnings of their policyholders.

They will take a careful look at your cholesterol levels and health status. They’ll specifically verify 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

You may or may not be required to take a health exam during the application process.  It may be in your best interest to have a health exam if your current levels meet their Preferred Plus thresholds. In certain situations, they may not require a health exam in exchange for rates that are a bit more.

After an underwriter reviews your health status, you’re assigned to a health class.  This class determines how much you’ll pay for insurance.  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 thresholds:

Preferred PlusForesters life insurance with elevated cholesterol levels

Total Cholesterol less than 220

Total Cholesterol to HDL ratio less than 4.5

Medication NOT permitted


Total Cholesterol less than 230

Total Cholesterol to HDL ratio less than 5.0

Medication OK

Standard Plus

Total Cholesterol less than 260

Total Cholesterol to HDL ratio less than 6.5

Medication OK

Cholesterol-controlling 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 and Standard rates.

See Cholesterol Levels for Multiple Insurance Carriers

About High Cholesterol

Approximately seventy-one million people have high cholesterol in the United States, according to Statin Usage.  Although a common medical problem, high cholesterol contributes to several health conditions that may increase your risk of premature death.  Most often, it has no symptoms and without routine medical care, can go undetected.

People of all ages, including children and adolescents, are diagnosed with high cholesterol each year.  Most often it is the result of lifestyle choices; however, it can be caused by certain genetic conditions.

Since high cholesterol can lead to a heart attack, stroke, diabetes, angina, and kidney disease, it’s easy to understand why Foresters is concerned about your levels.

Understanding what high cholesterol is and how to prevent it is good for everyone to know.

Cholesterol is a fat-like, waxy substance your body needs to build cells.  If you have too much bad cholesterol, it can build up on your artery walls and lead to atherosclerosis.


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 thus reducing blood flow to the heart.

Triglycerides or lipids also play a role.  Triglycerides are the fat in your blood and are 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.  High levels of triglycerides cause hyperlipidemia also known as high cholesterol.

In addition to tracking your HDL and LDL levels, you should know what your triglycerides levels are.  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 Mayo Clinic, the top five changes you can make to lower your cholesterol are:

  1. Eat heart-healthy foods
  2. Exercise at least 30 minutes a day
  3. Quit smoking
  4. Lose weight
  5. Limit alcohol intake

Now that you know more about what qualifies you to purchase life insurance from Foresters if you have high cholesterol, the next step is to determine if they are the right company for you.

About the Insurance Company – Foresters

Foresters Financial began selling insurance in the United States, Canada, and the United Kingdom in 1834. They are very interested in their members and offer benefits such as educational scholarships, healthy living tips, free financial counseling, and discounted legal services.

They have over $9 billion in assets under management and are on a solid financial footing.  Independent rating agency A.M. Best has given them a coveted A rating for financial strength and stability.

They offer a wide range of life insurance products including:

  • Term Life
  • Universal Life
  • Permanent Life
  • Final Expense

Is Foresters the Best Life Insurance Carrier for Someone with High Cholesterol?

Do you think that Foresters is right for you?

We can help you decide.

We specialize in helping people with high cholesterol find the best life insurance company to meet their individual needs.

When you have a medical condition, knowing where to apply for life insurance is important.  We stay on top of the varying underwriting guidelines to ensure that you apply to the right company to reduce your risk of denial and increase your chance of getting the cheapest premium payment.

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 Foresters Financial underwriting guidelines at this time. Guidelines are subject to change at any time. We are not an employee of Foresters Financial 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 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