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.

High Cholesterol at Principal Life Insurance

Written by Ty Stewart - Last Updated October 18, 2018

When you have high cholesterol, shopping for life insurance can seem daunting.

Worries over being denied are real.

Fortunately, we help many people with this medical condition buy affordable life insurance from top-rated companies, such as Principal Financial Services.

Here we’ll show you how to qualify for life insurance from Principal, get 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 Does Principal View High Cholesterol?

high cholesterol guidelines for life insurance at Principal

Principal is in the business of financially protecting those who depend on you should you pass away.

But they are also 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.

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

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

In addition, they may or may not require you to have a health exam.  If your current cholesterol levels meet their thresholds for the best rates, you may want to go ahead with the physical.  At times, you may be able to skip the medical 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

 An underwriter will then evaluate your health status and assign you to a health class.  This class determines how much you’ll pay for insurance.  The rates are calculated using a formula that includes your cholesterol levels, age, and other medical conditions.

To qualify for their top-rated classes, you must meet these guidelines:

Preferred Plus

Age 20-64

Total Cholesterol less than 240

Total Cholesterol to HDL ratio less than 4.5

Medication OK

Age 65-85

Total Cholesterol 260

Total Cholesterol to HDL ratio less than 5.0

Medication OK

Preferred

Age 20-64

Total Cholesterol less than 270

Total Cholesterol to HDL ratio less than 5.5

Medication OK

Age 65-85

Total Cholesterol less than 280

Total Cholesterol to HDL ratio less than 6.0

Medication OK

Standard Plus

Age 20-64

Total Cholesterol less than 300

Total Cholesterol to HDL ratio less than 7.0

Medication OK

See Required Cholesterol Levels at Top Insurance Carriers

One reason Principal is a good choice for those with high cholesterol is that they allow the use of cholesterol medications, called statins, in all their preferred and their standard plus rate class.

About High Cholesterol

Since statins save lives by protecting people from having a heart attack or stroke, this is an important benefit to applicants that not all life insurance companies allow.

Statins are typically prescribed to those who have:

  • LDL cholesterol level of 190/mg/dL or higher
  • Cardiovascular disease
  • History of stroke or heart attack
  • Peripheral vascular disease
  • Angina
  • Diabetes

For these reasons, you can be certain Principal will take a careful look at your entire health picture when you apply for a policy.

High cholesterol occurs when you have too much bad cholesterol, lipids, and triglycerides, in your blood.

Good and Bad Cholesterol, What is the Difference?

This bad cholesterol (LDL) travels through the blood where it can build up on artery walls causing atherosclerosis or narrowing.  Narrowing of your arteries decreases blood flow and can lead to a heart attack, stroke, blood clots and kidney disease.

Not all cholesterol is bad.  You also have good cholesterol (HDL), which travels through the body, picks up excess cholesterol, and returns it to your liver so the body can eliminate it.

Maintaining healthy LDL and HDL ratios are important because the body uses these fats to build cells, provide energy, regulate hormones, and more.

Factors that contribute to high cholesterol include diet, family history, lifestyle choices, obesity, and certain genetic conditions.  The body produces about 80% of the cholesterol it needs, but the remaining 20% is derived from the foods you eat.

Since high cholesterol has no symptoms, it’s 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.

Improve Your Cholesterol Levels

Natural remedies to help lower cholesterol include:

  •  Exercising five days a week
  • Weight loss
  • Eliminating trans fats
  • Eating more fiber, fish, nuts and olive oil
  • Following a heart-healthy diet
  • Fish oil
  • Red rice yeast

About Principal Financial Company

Principal was founded in 1879 as an insurance company.  They are one of the oldest insurance companies in the United States, a member of the Fortune 500, and a global investment management leader.

Their life insurance policies include:

  • Term Life
  • Permanent Life
  • Universal Life
  • Variable Universal
  • Survivorship Life Insurance for Individuals

They are financially strong, which means you can feel confident about them being around to pay death claims in the future.  Currently, they have $655 billion in assets under management and enjoy a coveted A+ rating from A.M. Best, an independent industry rating company.

Forbes has named them one of America’s Best Employers and Ethisphere Institute named them as a World’s Most Ethical Company in 2015.

Is Principal the Best Company for High Cholesterol Levels?

Now that you know more about how Principal determines rates and qualify individuals, the next step is to decide if they are the right fit for you.

No doubt that Principal is a great option but are they the best?

We specialize in helping people with high cholesterol find the best life insurance coverage for the best rates.  We want to help you apply to the right company the first time and avoid unnecessary denials.

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

The opinions in this article are based on our knowledge of Principal Financial Services, Inc. underwriting guidelines at this time.  Guidelines are subject to change at any time.  We are not an employee of Principal Financial Services, 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.

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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