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lower cholesterol for life insurance exam

Limit coffee and smoking for at least an hour prior to the examination. A life insurance medical exam takes about 20 minutes. Good Cholesterol, Bad Cholesterol, & Total Cholesterol. Assessing Cholesterol Levels for Life Insurance. When you apply for a life insurance policy, you will have to take a medical exam. Our list of ways to lower your cholesterol and life insurance rates will save you money. The Impact of High Cholesterol on Your Life Insurance Policy. During the life insurance medical exam, make sure to answer all questions honestly, remain calm (you want a low resting heart rate) and stand as straight as possible for your height measurement. No history of heart attacks or heart disease in my family and my parents/siblings all have normal cholesterol levels. It certainly involves a blood test. During this exam, you will be asked questions about your family history, lifestyle, and smoking and alcohol usage. Why are we even trying to lower our cholesterol so quickly? The crux of this entire article rests on this answer. I’ve been a vegan, pescatarian, meat eater, low carb over that past 2 decades and the lowest my LDL ever got was 192 as a vegan. Cholesterol is a major factor considered by life insurance companies in determining the … I was also 180lbs at the time. The life insurance company will base most of their decision on the medical exam you take for your life insurance application and your most recent results from your physician. No Exam Life Insurance With High Cholesterol. Maybe you wish to show your health or life insurance company a certificate of health. Just like with exercise, it’s a great way to get better results from the medical exam, which means cheaper life insurance. Lower Your Risk in Other Ways Avoid alcoholic beverages for a minimum of twelve hours prior to the examination. Action you can take: Get your own physical, assess your health problems, and start working on them before applying for coverage. There are two types of cholesterol: the good and the bad.The good cholesterol is called “HDL” (short for high-density lipoprotein), and can actually reduce the risk of heart disease and stroke. Also, your past cholesterol levels will have little effect on your life insurance if you’ve successfully lowered your levels. Since cholesterol levels can be controlled by making healthy lifestyle changes, making those changes before you apply for a life insurance policy will increase your chances of obtaining cheaper coverage. The healthier the measurements and lab results, the lower the premiums you'll pay for coverage. Drink a glass of water an hour before the exam to … A simple blood test is used to analyze how much “bad” and “good” cholesterol you have. Higher than average cholesterol levels. This ‘cheat sheet’ idea is brought to you by BulletProof. Your height-to-weight ratio can directly impact your quotes, so don’t risk slouching. Fasting for twelve hours before an exam may also lower your cholesterol. Maybe you don’t want to go through all of the trouble of taking the exam, getting poked with needles, or taking time off work, then you have some options. I did a genetic test for FH but came back negative. The best way to ensure that you’re getting the lowest insurance premiums when there is no cholesterol life insurance is to work with an independent insurance broker. As you can see, the exam part of the policy is very important. If you already knew your cholesterol levels were high, this might not come as much of a shock to you. Here’s something frustrating: after you put in your life insurance application, get the medical exam, and go through underwriting, your life insurance agent comes back and tells you that your rate got bumped up. Someone who learns about his or her high cholesterol during the life insurance medical exam is much more likely to get denied. Test results: ideally low cholesterol levels. 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