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High Cholesterol Life Insurance

You may have found it difficult to secure life insurance with High Cholesterol Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is High Cholesterol Life Insurance?

Our team of life insurance experts has helped thousands of people with pre-existing medical conditions such as High Cholesterol to get the right cover to protect them and their families financial future at the right price. We aim to make sure that you get the best possible life insurance policy for your family and we also want to save you money by searching the whole market to find the best insurance provider for you.

Most people who have High Cholesterol and need life insurance will generally not have a problem getting cover and in most cases we are able to get High Cholesterol life insurance at standard rates so with no increase in premium. With all applications for High Cholesterol life insurance you would need to know your latest Cholesterol readings as well as provide details of any medication being taken (e.g. name of medication and dosage). A Cholesterol reading of up to 6 would usually be accepted at standard rates with no premium loading and should also be accepted online without needing medical evidence from your GP or a medical.

Applications for High Cholesterol life insurance where there have been issues such as:

Changes / increases in medication recently

Readings above 6

More than 2 medications being taken

High BMI

These issues will usually result in some additional underwriting and further medical information being required for High Cholesterol life insurance. If any of these issues are bad enough to be seen as a problem by life insurance underwriters then there may be an additional loading applied to your premiums due to the increased risk.

If you already have High Cholesterol life insurance in place or have had special terms imposed in the past on an existing policy then it is usually worth reviewing your cover to see whether any savings can be made based on your current circumstances.

How Cholesterol Life Insurance works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Some key factors that will be taken in to account when underwriters are reviewing an application for High Cholesterol Life Insurance:

Date of Diagnosis

Treatment / Medication

Readings (any fluctuations or changes)

Related conditions (e.g. Hypertension, Diabetes, Heart Conditions etc.)

BMI (Height / Weight)

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions such as High Cholesterol. We have been helping to protect individuals, families and businesses financial futures since 1999 and helped thousands of people to find the cover they need at an affordable price.

High Cholesterol critical Illness Cover

Critical illness cover for people with High Cholesterol is also generally available and especially where the condition is mild with good control through medication or diet. High Cholesterol critical illness cover rates can vary where there are other related medical conditions, such as:

Diabetes (Only Type 2 Diabetes considered)

Hypertension (High Blood Pressure)

Angina

Underactive Thyroid

Stroke / TIA

Underwriters will need to know your most recent reading, medication (e.g. name of medication and dosage) and any related conditions (as above) when assessing levels of risk for High Cholesterol critical illness cover. As a general rule for anyone with High Cholesterol looking for critical illness cover there will be a requirement to provide further medical evidence from your GP or to complete a medical / nurse screening.

If you already have High Cholesterol critical illness cover in place, have been declined cover in the past or have had cover accepted on special terms then it will be worth reviewing your cover to ensure that you have the best cover in place based on your current circumstances.

High Cholesterol Income Protection

As with the other insurance products above, income protection for people with High Cholesterol is generally readily available and can even be accepted at standard rates with no exclusions. High Cholesterol income protection underwriting will always be stricter than life insurance or critical illness cover because of the increased risk of claims.

Applications for High Cholesterol income protection will need to be supported with details of your latest readings, medication (e.g. name and dosage) and any related conditions or complications. If you have any issues in recent years then you may find that rates for High Cholesterol income protection will be increased or some policy exclusions may apply. Some related conditions such as Diabetes will mean that income protection could be declined all together but it is worth checking with us to see what we can do for you.

If you already have High Cholesterol income protection in place, have been declined previously or have cover that has been accepted on special terms then it will often be worth reviewing that cover based on your current circumstances, especially if there has been an improvement.

Facts and Statistics about High Cholesterol:

Cholesterol is vital component for the body to function normally which is something that most of us are not aware of. The substance itself is known as a ‘Lipid’ which is a fatty element and is generally made by your liver as well as being present in certain types of food.

For people who have High Cholesterol levels will generally find that there are no symptoms and it is usually detected by your GP or during a medical examination. Although it is not considered to be serious, if left untreated and no changes to lifestyle then it can cause serious long lasting health issues or result in other conditions, such as Coronary Heart Disease (CHD), Type 2 Diabetes, Heart Attack or Stroke.

High Cholesterol statistics:

Over 50% of UK adults have High Cholesterol (over 5mmol)

160k people die from Hearth and Circulatory Disease every year

A person has a Heart Attack every 7 minutes in the UK

A person has a Stroke every 12 minutes in the UK

4 million people in the UK currently have Diabetes

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

For more information or advice about High Cholesterol life insurance please do not hesitate to contact our team of experts on 0800 083 2829.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

How does having High Cholesterol affect Life Insurance?

Usually there will be no additional loading or increase in premiums where High Cholesterol is a problem but is well controlled with medication. Some people are also put on High Cholesterol medication as a preventative measure which will generally be viewed by underwriters as no issue. For High Cholesterol life insurance, critical illness cover or income protection you will always need to provide details of your most recent readings and medication (e.g. name and dosage).

What if I have High Cholesterol life insurance in place already?

If you already have High Cholesterol life insurance, critical illness cover or income protection then it could be worth reviewing that cover, especially where:

Readings have improved (e.g. more stable or reduced)

Medication has reduced

Quit smoking

Lost weight (reduced BMI)

In most cases we see where we are reviewing an existing High Cholesterol life insurance policy we can reduce premiums and especially where cover was previously accepted with special terms. You may also need to review your existing cover if your personal circumstances have changed such as moving house, changing jobs or having children.

Why should I pay more for High Cholesterol life insurance?

If your life insurance has been accepted and offered at a higher rate than normal because of your High Cholesterol and other issues relating to your current health then there will be some risk related issues that underwriters will have identified. High Cholesterol life insurance on its own is usually not an issue and causes no problems as far as the application process is concerned, however if your lifestyle is not particularly healthy and you have other issues then there could be an increase to the premium you pay.

Related conditions Life Insurance:

Diabetes Life Insurance

Heart Attack Life Insurance

Stroke Life Insurance

TIA Life Insurance

High Blood Pressure (Hypertension) Life Insurance

High BMI Life Insurance

Underactive Thyroid Life Insurance

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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High Cholesterol Life Insurance

What Is High Cholesterol Life Insurance?

Changes / increases in medication recently

Readings above 6

More than 2 medications being taken

High BMI

How Cholesterol Life Insurance works:

Date of Diagnosis

Treatment / Medication

Readings (any fluctuations or changes)

Related conditions (e.g. Hypertension, Diabetes, Heart Conditions etc.)

BMI (Height / Weight)

High Cholesterol critical Illness Cover

High Cholesterol Income Protection

Facts and Statistics about High Cholesterol:

High Cholesterol statistics:

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies