Does High Cholesterol Affect Life Insurance Rates? 
With fully underwritten life insurance plans that require a paramed exam to collect blood and urine for underwriting , yes high cholesterol will cause you to get a higher premium . How high depends on a few factors such as your cholesterol number as well as triglycerides number . The underwriter will want to know how long it has been elevated , any medications taken and your diet and exercise routines to determine how much of a rate up or table up to charge your premiums . 