How SBLI Looks at High Cholesterol for Life Insurance Premiums

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

Having high cholesterol should not stop you from applying for life insurance.

But knowing where to apply is VERY important.

We work with many highly rated companies, such as SBLI, and can help you apply to the right company for your individual needs.

Is The Savings Bank Mutual Life Insurance Company of Massachusetts the right life insurance company for you? It’s impossible to know until you determine if you meet their requirements and know what your other life insurance options are.

Here we’ll show you how you can qualify to purchase life insurance from SBLI, how to get the 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 SBLI Views Cholesterol Levels

SBLI life insurance company

SBLI is in the business of providing financial protection for your loved ones.  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

They may or may not require you to have a physical.  If your current cholesterol levels meet their requirements for the best rates, you may want to go ahead and have the exam.  Other times, they may not require a physical 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 you apply, 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:

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

Preferred Plus


Total Cholesterol to HDL ratio less than 4.5


Total Cholesterol to HDL ratio less than 5.0



Total Cholesterol to HDL ratio less than 5.0


Total Cholesterol to HDL ratio less than 5.5

Standard Plus


Total Cholesterol to HDL ratio less than 7.0


Total Cholesterol to HDL ratio less than 6.0

As you can see, SBLI differentiates between men and women in all of their rates classes.  This is not true for every life insurance company so when you contact us, we’ll examine whether or not there are better options out there for your individual needs and cholesterol levels.

Compare Cholesterol Requirements at Top Insurance Carriers

About High Cholesterol

High cholesterol is a major contributor to heart attack and stroke, which are leading causes of death for both men and women.  However, SBLI distinguishes between the two because young women are at a decreased risk due to estrogen hormones, which help increase good cholesterol levels, according to the Cleveland Clinic.

Men also have a greater risk of having a fatal heart attack earlier in life than women do.

Since high cholesterol has no symptoms, both sexes can be caught off guard when they receive the diagnosis.  High cholesterol is diagnosed via a blood test, called a lipid panel which measures your total cholesterol, low-density lipoprotein, high-density lipoprotein, and triglyceride levels.


A low LDL (bad cholesterol) is good for your heart.  When LDL levels are too high, too much cholesterol travels through the blood where it can build up on artery walls causing atherosclerosis or narrowing.  This narrowing reduces blood flow and can lead to a heart attack, stroke, blood clots and kidney disease.

Some symptoms of narrowed arteries include:

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

A high HDL (good cholesterol) helps prevent heart disease and stroke.  High-density lipoprotein travels through the body, picks up excess cholesterol and returns it to your liver so the body can eliminate it.

Cholesterol Ratios

Cholesterol ratios are also important.  Normal ratios help reduce the risk of heart disease and stroke.  The body produces about 80% of the cholesterol it needs but the remaining 20% is derived from the foods you eat so a heart-healthy diet is important.

You can help keep your ratios normal by:

  • Eating more vegetables and fruit
  • Reducing meat, eggs, and cheese
  • Increasing fiber intake
  • Increasing healthy fats
  • Eliminating trans fats
  • Eating more nuts and whole grains
  • Adding more beans, peas, and legumes to your diet

Now that you know more about how SBLI views high cholesterol, the next step is to decide if they may be the right company for you.

About SBLI as a Life Insurance Company

The Savings Bank Mutual Life Insurance Company of Massachusetts is a customer-owned company known as the “No Nonsense Insurance Company” for being straightforward, dependable and affordable.

They currently insure over a million families and offer a range of life insurance products including:

  • Guaranteed Level Premium Term
  • Renewable Term Life Insurance
  • Whole Life Insurance

SBLI was established in 1907 with a goal to provide families with low cost and trustworthy life insurance option.  Their founding mission, “to offer affordable, dependable life insurance to all who need it,” still stands today.

With $128 billion of life insurance policies in force, they are rated financially strong and you can rest assured they are expected to pay out death claims far into the future.

They are highly rated by independent rating agencies for strength and stability:

A from A.M. Best

A- from Standard and Poor’s

Make Sure You Choose the Right Life Insurance Company for Your Cholesterol Levels

If you think SBLI might be right for you, we can help you determine if that’s true or if there is something even better.  We specialize in helping people with high cholesterol find the best life insurance for the best rates.

As an independent agent, we will compare more than 60 insurance companies to ensure you find the best plan, at the lowest rate, and get answers to all your questions.

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

The opinions in this article are based on our knowledge of the SBLI underwriting guidelines at this time.  Guidelines are subject to change at any time.  We are not an employee of SBLI but rather an independent agent contracted to work with them as well as 60+ 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