kitty_cork
New member
I am a male in my late 30s and have familial high cholesterol, though fortunately, I'm treating it with medication and it's currently low. I have a parent (who presumably gave me the genes in question) that has had high cholesterol and coronary artery disease that they discovered when they were about 40 and have had a series of procedures to treat it over the years.
They seemed to be very skeptical that I would be able to find life insurance given this history. Nowadays, it seems that the insurers have access to much of your medical data (prescriptions, lab results, etc), so it's not clear to what extent you can strategize (e.g. find an insurer that is less likely to dig into your particular issues). From what I've read, it seems that high cholesterol is something that is insurable. However, if you have a heart-related event or procedure (e.g. heart attack, angioplasty), then it seems you're out in the cold.
Has anyone had experience with getting life insurance with high cholesterol or a bad family history? Or are there any agents out there who can speak to the likelihood of getting coverage given this situation?
Thanks!
They seemed to be very skeptical that I would be able to find life insurance given this history. Nowadays, it seems that the insurers have access to much of your medical data (prescriptions, lab results, etc), so it's not clear to what extent you can strategize (e.g. find an insurer that is less likely to dig into your particular issues). From what I've read, it seems that high cholesterol is something that is insurable. However, if you have a heart-related event or procedure (e.g. heart attack, angioplasty), then it seems you're out in the cold.
Has anyone had experience with getting life insurance with high cholesterol or a bad family history? Or are there any agents out there who can speak to the likelihood of getting coverage given this situation?
Thanks!