Life Insurance with Familial Hypercholesterolemia

Life Insurance

It’s common for many people to have high cholesterol levels. For some individuals, they might be unaware that they possess it.

When applying for life insurance, having high cholesterol typically isn’t a major worry. The insurers start to scrutinize applications more closely when there are other associated conditions such as diabetes.

Insurers are interested in learning more details about your family’s history of high cholesterol, particularly if you have been diagnosed with familial hypercholesterolemia.

Our goal is to assist you in identifying the ideal insurer to meet your requirements by conducting thorough research on your behalf.

When applying for life insurance, you will encounter certain types of questions:

1. When were you diagnosed?
2. What was your latest reading?
3. When was this taken?
4. What medications do you take?
5. Have you, or your parents or siblings had a heart attack?

There are no correct or incorrect answers for these questions. Your responses will assist us in locating the appropriate insurer for your specific situation.

Life Insurance may be available at standard terms for individuals with familial hypercholesterolemia, provided that the condition is well controlled.

If you require multiple medications or have cholesterol levels that are not within the specified range, the insurance company may request a health report from your doctor. This can only be done with your permission.

In cases of unmanaged familial hypercholesterolemia, it may be necessary to submit your life insurance application to a specialized provider for potential coverage consideration. As a consequence, your life insurance might be presented to you with a higher premium.

Your life insurance could potentially be delayed until your symptoms stabilize. Certain insurers may reject the application. That explains our presence.

We will conduct the research to prevent you from hearing that an insurer will not provide coverage. Our expert advisers will match you with the right insurer for the life insurance you require.

Critical Illness

Assessment of critical illness cover for individuals with familial hypercholesterolemia will mirror that of life insurance. The insurer needs information on your cholesterol levels, including how well they are controlled and the most recent readings along with the date they were taken.

In cases where cholesterol levels are effectively managed, certain insurers may provide standard conditions for critical illness coverage.

The insurer may request a report from your doctor to confirm your health status if your cholesterol is not well controlled or if you have other conditions such as a high BMI or a history of heart attacks.

Your policy could be accepted with either standard or non-standard terms, potentially leading to a premium increase. We are aware that a premium increase may not be appealing, but it tends not be as severe as anticipated.

There are no responsibilities or commitments if the final price isn’t suitable for you, so feel free to ask without any worries about being tied into the policy.

Individuals with familial hypercholesterolemia may not qualify for critical illness cover if their cholesterol levels are not effectively managed or if there are multiple illnesses present.

Don’t worry. We can connect you with specialized insurers and discuss options that may benefit you.

Income Protection

Income protection applications from individuals with Familial Hypercholesterolemia will be subject to a stricter underwriting process in comparison to life insurance and critical illness policies.

Insurers may require a report from your GP to verify your health status. This is done at your own expense, but it’s often a benefit since you won’t need to worry about missing anything on your medical declarations.

If your cholesterol levels are managed properly, you may qualify for standard income protection. The insurer your application is submitted to will greatly impact this.

If your cholesterol levels aren’t controlled, the insurer may increase the policy premiums. Insurers may decline your application if your cholesterol is unstable or if your BMI is particularly high.

This is where the guidance from one of our experienced advisors and connection to specialized insurers truly shines.

Our experienced advisers can guide and assist you in submitting your income protection application to a suitable insurer.