How do cholesterol and blood pressure affect life insurance rates?

Cholesterol and blood pressure are two of the most closely evaluated cardiovascular health markers in life insurance underwriting. Both affect health class placement, with well-controlled levels potentially qualifying for preferred rates even if they require medication.

For cholesterol, carriers look at total cholesterol level, HDL (good) cholesterol, the total cholesterol to HDL ratio, and LDL levels. A total cholesterol under 200 with favorable ratios typically supports preferred health classes. Cholesterol in the 200–240 range may still qualify for standard or standard plus, especially if managed with medication and controlled. Higher levels or unfavorable ratios affect ratings.

For blood pressure, standard preferred thresholds are typically 130/80 or below. Readings up to 140/90, particularly if well-controlled with medication, often qualify for standard or standard plus. Higher consistently elevated readings may result in table ratings.

Importantly, being on medication for either condition doesn't automatically result in a rating. Controlled conditions—whether through lifestyle or medication—often qualify for better rates than uncontrolled conditions without medication. Some carriers specifically favor well-medicated and well-managed conditions.

Nevada applicants who are on blood pressure or cholesterol medication should not assume they'll receive unfavorable rates. With proper documentation showing controlled levels over time, many qualify for preferred or standard rates at major carriers.

Agents in our network identify carriers with the most favorable underwriting for specific health conditions.