North American Life Insurance and High Cholesterol

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

Being denied affordable life insurance for having high cholesterol is a big deal that can negatively impact you and your family for years to come.

Knowing where to apply is important.  The good thing is, there are many top-rated companies, such as North American, that insure people with this condition.

Here we’ll show you how you can qualify for their best rates and explain how they view this health condition.

We’ll also try to answer all of your questions, such as:

  • How does high cholesterol affect insurance rates?
  • What is considered high cholesterol for life insurance companies?
  • How can I get life insurance if I have high cholesterol?

How Will North American Look at Cholesterol Levels?

In addition to helping you protect your family’s financial stability, North American is in the business of judging risk.  So before they’ll sell you a policy and quote you a rate, they’ll perform a risk assessment.  This assessment measures your risk of death against their profitability and more.

life insurance approval at North American for people with high cholesterol

When you apply for insurance, they’ll take a careful look at your cholesterol levels, including your:

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

During the application process, they may or may not require you to have a health exam.  If your current cholesterol levels meet their thresholds for the best rates, it may be in your best interest to go ahead with the physical.  At times, they may not require a health exam in exchange for rates that are a bit higher.

Typically, if you can meet the following optimal thresholds, your cholesterol levels will not affect the rate you’ll 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

After an underwriter determines your health status, they’ll assign you to a health class.  This class determines how much you’ll pay for insurance.  These rates are calculated using a formula that includes your cholesterol levels, age, and other medical conditions.

At North American, to qualify for their top rate classes, you must meet these guidelines:

Preferred Plus

Age 1-70

Total Cholesterol 120 – 300

Total Cholesterol to HDL ratio less than 5.0

Medication OK

Age 70+

Total Cholesterol 120 – 300

Total Cholesterol to HDL ratio less than 5.5

Medication OK


Age 1-70

Total Cholesterol 120 – 300

Total Cholesterol to HDL ratio less than 6.0

Medication OK

Age 70+

Total Cholesterol 120 – 300

Total Cholesterol to HDL ratio less than 6.5

Medication OK

Compare Cholesterol Thresholds at Top Insurance Companies

About High Cholesterol

One reason North American is a good choice for those with high cholesterol is that they allow the use of cholesterol medications, or statins, in their preferred rate classes.

Since statins help decrease the risk of complications due to high cholesterol, otherwise known as, hyperlipidemia and hypercholesterolemia, it’s important to take medication as prescribed.

Surprisingly, too few people are taking their medication, according to the American Council of Science and Health.

Each day, nearly 2,150 Americans die from heart disease or stroke so you can be sure that North American will take a careful look at your medical status and medication usage when you apply for a policy.

In addition to cardiovascular disease, high cholesterol also contributes to kidney disease, type 2 diabetes, and high blood pressure.

Causes of High Cholesterol

Factors that contribute to high cholesterol include diet, family history, lifestyle choices, obesity, and certain genetic conditions.

High cholesterol has no symptoms, so it’s commonly recommended that everyone over twenty have their levels routinely checked.   A simple blood test called a lipid panel, measures total cholesterol, low-density lipoprotein, high-density lipoprotein, and triglyceride levels.

Cholesterol, or lipids and triglycerides, are a type of fat found in the blood.  The body uses these fats to build cells, provide energy, regulate hormones, and more.


Bad cholesterol (LDL) travels through the blood where it can build up on artery walls causing atherosclerosis or narrowing.  This narrowing can decrease blood flow and can lead to the complications that put you at risk of death by heart attack, stroke, blood clots and kidney disease.

Good cholesterol (HDL) travels through the body, picks up excess cholesterol, and returns it to your liver so the body can eliminate it.  Normal total cholesterol to HDL ratios helps to prevent heart disease and other deadly complications.

The body produces about 80% of the cholesterol it needs but the remaining 20% is derived from the foods you eat.  A diet high in trans fats contributes to high cholesterol while heart-healthy foods help lower it.  Other ways to naturally lower cholesterol include:

  • Weight loss
  • Increasing exercise
  • Quitting tobacco use
  • Drinking alcohol only in moderation

About North American Life Insurance as Company

North American Company is also known as North American for Life and Health Insurance.  They have been in business for nearly 130 years and pride themselves on protecting families from being burdened with debt in the event of a tragedy.

They offer the following life insurance products to meet a variety of needs:

They are a privately owned company, which allows them to make independent decisions for the benefit of their policyholders rather than to please shareholders.  They are also part of the Sammons Financial Group, Incorporated.

You can feel confident in the knowledge that they are fiscally strong and expected to pay out on future claims as they enjoy the following coveted ratings from independent rating agencies:

  • A+ (Strong) from Standard & Poor’s (5th highest rating out of 21).
  • A+ (Superior) from A. M. Best (2nd highest rating out of 15).

What is the Best Insurance Company With Elevated Cholesterol?

While North American is a great option for those with high cholesterol, are they the right company for you?

We can help you decide.

We specialize in helping people with high cholesterol find the best life insurance coverage for the best rates.  To help ensure you apply with the right company the first time, as independent agents, we’ll compare 50+ insurance companies and help you find the best plan, at the best rates, and get answers to all your questions.

Applying with the right company the first time is important. This is almost impossible on your own.

There is no cost or obligation for this service.  To begin, simply fill out the form below and we’ll get started right away.

The opinions in this article is based on our knowledge of North American Company underwriting guidelines at this time.  Guidelines are subject to change at any time.  We are not an employee of North American 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
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