Life Insurance with High Lipid Levels

How to find affordable life insurance with high lipid levels?

Looking for life insurance with high lipid levels can be sometimes be a challenge. Cholesterol and triglycerides are fatty substances(lipids) found normally in the blood. But, a high level of lipids (hyperlipdemia) in the bloodstream can be a major risk factor for cardiovascular disease.

Life insurance underwriters are concerned with high lipid levels, but this doesn’t necessarily mean you cannot find affordable coverage. You just have to know where to look for the best rates.

You see all life insurance companies evaluate health and lifestyle differently. The secret is to find the company that will underwrite your situation the most favorably.

As an example, one life insurance company may evaluate your application and conclude that you are a standard risk. Another company may evaluate you as a “rated” risk or in other ways below a standard risk. When rated below a standard risk, this translates into more premium charged.

Fortunately, you have landed on the right page. We are experts in the “special risk” marketplace. We know which insurance companies will evaluate your health and lifestyle the best.

Thru years of experience in dealing with life insurance company underwriter’s we negotiate on your behalf to find the lowest rates.

What are the optimal lipid levels?

To determine the risk of arteriosclerosis from hyperlipdemia, life insurance companies measure the total blood cholesterol, triglycerides, low density lipoprotein (LDL) and high density lipoprotein (HDL).

You may be familiar with LDL and HDL if you have ever examined your lab results from a general physical. LDL seems to promote the deposit of cholesterol on artery walls, increasing the risk of heart disease. HDL, on the other hand, is thought to carry cholesterol away from the tissues, protecting against heart disease.

Most life insurance companies that specialize in offering the lowest rates use this optimal levels indicated below for good lipid control:

  • HDL- OVER 40

When any of the above factors are applied each individual underwriting company will determine how much if any additional premium is required for levels above or below the optimal.

It is important to note that any one lipid reading that is slightly above or below the normal reading will not automatically disqualify an individual for a particular rate. Other factors can come into play as well. These can include height/weight, exercise history, tobacco history, family history, etc.

How to know which insurance company will offer the best rate?

This is where your agent can save you a lot of time and money. In working with a special risk agent you will have the confidence to know that your agent will find the absolute lowest rate available.

Many young or inexperienced agents may have no idea what companies will offer the most competitive rate on life insurance with high lipid levels.

These inexperienced agents, many times will have a prospect apply to several different companies simply because they have no real idea who to submit an application to. This can cause the customer to have to fill out endless paperwork and do insurance exams and lab work with multiple carriers.

And in the end, the insurance company may still not offer an affordable solution.

An experienced agent can typically find out very quickly what your rate will be and what company will offer the best rate. This process is done thru a series of questions that underwriter would need answered in order to provide an offer.

The agent would make informal inquires to several insurance companies negotiating  the best offer on the client’s behalf. Once all the offers are received, the agent would then present this to the client. If the offer is affordable to the client, then an only then would a formal application be submitted. Any other medical information needed would also be obtained at that time.

This process will save you time and money and you can be assured you have found the lowest rates in the industry.

Questions for life insurance with high lipid levels

Below you will find the typical questions needed to evaluate your cost for life insurance. If your agent is not asking these questions, it typically means he doesn’t know to ask them or he only has one carrier to offer coverage through.

  • Date of Birth?
  • Male or Female?
  • Total Cholesterol?
  • HDL(good cholesterol)?
  • Triglyceride level?
  • Any history of chest pain?
  • Any history of TIA or stroke?
  • Any history of peripheral vascular disease or claudication?
  • Any history of diabetes?
  • Current medications?
  • Used any tobacco in last 5 years?
  • Any history of high blood pressure?
  • Current height/weight?
  • Had a stress test or echocardiogram within past year? If so, were results normal?
  • Any other major health problems? I.E. cancer history, kidney disease, etc.

With the answers to these questions along with the amount of coverage desired as well as the plan of protection your special risk agent can shop the marketplace and negotiate on your behalf the best rates available.


If you are in the marketplace for life insurance and you have a history of high lipid levels, I urge you to contact us to discuss your situation. We are experts in the special risk term life insurance arena. You will speak directly to the owner of the company with over 30 years experience in the life insurance marketplace. Thank you for reading this blog.

You can reach us at 1-888-393-9003 or 

For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

We work with individuals across the nation to secure the best life insurance rates.

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