Does High Cholesterol Affect Life Insurance? 
Yes , high cholesterol can affect life insurance . It can raise rates , or even cause a decline , if cholesterol is very high . Even more significant than high cholesterol is the ratio of total cholesterol to good cholesterol . To find your ratio , divide your total cholesterol number by your HDL -LRB- `` good '' cholesterol -RRB- number . If your ratio is over 8 , you might want to get on cholesterol lowering medication before applying for a policy . 