How Does High Cholesterol Affect Life Insurance? 
High cholesterol alone can affect life insurance by raising the rates , if the cholesterol numbers are very high . However , if even moderately elevated cholesterol is in tandem with some other health issues , such as diabetes or sleep apnea , it can cause a red flag that perhaps those other health conditions are not being well controlled . If you are totally unaware of your cholesterol reading , you can get it checked before applying for life insurance , then ask your agent to find you the best possible rate that fits that number . If it is too high , it may be a good idea to start using a statin drug or other method to bring your cholesterol down before applying for a life insurance policy . 