Protective Life Insurance With High Cholesterol Levels

Ty Stewart - Founder - Written by Ty Stewart - Last Updated January 7, 2019

If you’re shopping for life insurance and have high cholesterol, you’re not alone.

The risk of denial is real.

But it can be avoided by knowing where to apply.

We can help you find an affordable policy from a top-rated company, such as Protective Life Corporation.

Here we’ll show you how to qualify to purchase life insurance from Protective, 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 Protective Considers Cholesterol Levels

Protective is in the business of providing financial protection for your beneficiaries. 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

During the application process, they may or may not require you to have a health exam.  If your current cholesterol levels meet their requirements for the best rates, you may want to go ahead and have 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

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

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

Preferred Plus

Age 18-70

Total Cholesterol less than 275

Total Cholesterol to HDL ratio less than 4.5

Medication OK

Age 71+

Total Cholesterol less 130 – 275

Total Cholesterol to HDL ratio less than 4.5

Medication OK


Age 18-70

Total Cholesterol less than 275

Total Cholesterol to HDL ratio less than 5.5

Medication OK

Age 71+

Total Cholesterol 130-275

Total Cholesterol to HDL ratio less than 5.5

Medication OK

Compare Cholesterol Guidelines at Top Insurance Companies

About High Cholesterol

As you can see, Protective allows the use of cholesterol-lowering medication in their preferred rate classes.  This is great news since not all life insurance companies will allow the use of statins to receive their best rates.

Statins help reduce the complications of cardiovascular disease, which takes the lives of 2,200 American adults each day, according to the Physicians Committee for Responsible Medicine.

Statins are typically prescribed to those who have an LDL cholesterol level of 190/mg/dL or higher, cardiovascular disease, history of stroke or heart attack, peripheral vascular disease, angina, and diabetes.  For these reasons, it’s easy to see why Protective will take a close look at your entire health picture if you have high cholesterol.


Since high cholesterol has no symptoms, some people are caught off guard when they have the health exam.  If required, a simple blood test, called a lipid panel will measure your measure 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 decreases blood flow and can lead to a heart attack, stroke, blood clots and kidney disease.

Some symptoms of clogged arteries include:

  • Fatigue and dizziness
  • Shortness of breath
  • Chest pain
  • Lower back pain
  • Erectile dysfunction
  • Pain, numb, cold hands and feet

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 help prevent heart disease.  The body produces about 80% of the cholesterol it needs but the remaining 20% is derived from the foods you eat.

How to Improve

Some simple ways to help improve your cholesterol levels naturally include:

  • Eat more vegetables and fruit
  • Reduce meat, eggs, and cheese
  • Increase fiber
  • Increase healthy fats
  • Eliminate trans fats
  • Eat more nuts
  • Eat more beans, peas and whole grains

About Protective Life Insurance Company

Protective Life Insurance

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

Protective Life Insurance Company has been in business for more than one hundred years and is known to be extremely competitively priced.  Their life insurance products are sold under Protective Life Corporation.

They are committed to corporate responsibility and improving the quality of life for those living in their local communities.  They operate the Protective Life Foundation and are actively involved in social responsibly such as creating and enhancing green spaces, enriching cultural and artistic venues, and dealing with difficult human issues.

Fiscally strong, Protective Life Insurance is expected to be able to pay out life insurance claims far into the future.  They are very favorably regarding their operating performance, asset quality, financial flexibility, and capitalization by the following insurer rating agencies:

  • A+ A.M. Best
  • AA- Standard and Poors
  • A+ Fitch Ratings
  • A1 Moodys

Their life insurance products include:

  • Term Life
  • Permanent Life
  • Universal Life
  • Variable Universal Life
  • Indexed Universal Life
  • Whole Life
  • Child Life

How to Find the Cheapest Life Insurance Rates for High Cholesterol

With high cholesterol, knowing where to apply for life insurance is half the battle.

Every day, we help people with high cholesterol find the best life insurance coverage and reduce their risk of denial.  We are experts at helping you find the right company for your needs.

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 form and we’ll get started right away.

Our business is placing clients with the right company.

The opinions in this articles are based on our knowledge of Protective Life Corporation underwriting guidelines at this time.  Guidelines are subject to change at any time.  We are not an employee of Protective Life Corporation but rather an independent agent contracted to work with them as well as 50+ other carriers. 

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