Does High Cholesterol Affect Life Insurance Rates? 
High cholesterol can affect life insurance rates , or even cause the policy to be postponed until the applicant finds a way to get his/her cholesterol under control for at least 6 months . There is a limit on how high your total cholesterol can be , but there is also a limit on high the ratio of your total cholesterol can be to your HDL -LRB- `` good '' cholesterol -RRB- . If your HDL number is high , some companies will allow your LDL -LRB- `` bad '' cholesterol -RRB- number to be a little higher , because the HDL offsets it in your cholesterol ratio . 