Does High Cholesterol Affect Life Insurance Rates? 
Yes , high cholesterol DOES affect life insurance rates . It is important to disclose any and all health issues when applying for life insurance . Sometimes , you can get a slightly better rate if you disclose all issues on the application , rather than trying to hide something . In most cases , these health issues will turn up on physician reports and/or med exams and if you 're not honest up front , insurance companies will place you in a lower high-risk bracket that you did not apply for . It is important to remember that not all health issues are `` knock outs '' , especially if they happened some time ago . 