Does High Cholesterol Affect Life Insurance Rates? 
Yes , high cholesterol can definitely affect life insurance rates . Most companies have a range of cholesterol values that they will consider for their preferred rate , their standard rate , and so on . They look at your total cholesterol and/or the ratio of your total cholesterol to your HDL -LRB- `` good '' -RRB- cholesterol . If you are on cholesterol medication , you can get preferred rates with most companies . So getting your cholesterol down to a healthy level is not only a good idea for your health , but it will ensure your best life insurance rates , as well . 