Providing that the cholesterol level is controlled, either by diet or by medication, premiums are not usually increased unless there are other factors or complications.
What is High Cholesterol?
Cholesterol is a fatty substance which is required for normal body function. Having too much Cholesterol in the blood can lead to an increased risk of many cardiovascular diseases including but not limited to:
- Heart attack
- Narrowed arteries (atherosclerosis)
- Peripheral Vascular Disease/Peripheral Arterial Disease
High Cholesterol can be caused by a number of factors such as eating an unhealthy fatty diet, smoking, having diabetes or a family history of the condition.
The control of cholesterol is important and if this cannot be done effectively through improving the diet of an individual, the doctor may prescribe medication, such as statins.
A well-controlled cholesterol level shouldn’t incur any premium increases when applying for life insurance, critical illness cover or income protection. However, if readings are uncontrolled or you are not attending regular reviews if advised to do so by your doctor, then insurance providers may increase your premium.
*NHS Choices July 2018
Please note that any premiums provided are indicative only and based on this specific example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted. Premiums correct as of Dec 2018.