Long-Term Care Insurance and High Cholesterol

by | Apr 5, 2019 | Health Conditions

Long-term care insurance and high cholesterol may not seem like they go together. Shopping for a long-term care insurance policy may seem confusing especially if you have high cholesterol. Getting long-term care insurance with high cholesterol is possible if you work with a long-term care insurance specialist that will help you shop for a policy. 

Can I qualify for long-term care insurance if I have high cholesterol?

If you have high cholesterol you can usually qualify for long-term care coverage and, if it’s not too high, you may even be able to qualify for a preferred health discount. Every insurance company has different criteria to determine who they can insure and how much extra they charge for any particular health condition. It’s important to work with an experienced, independent agent who is familiar with the four main types of long-term care coverage. An independent, long-term care specialist can recommend the perfect policy for you based upon your history of high cholesterol.

Which type of long-term care policy should I buy if I have high cholesterol?

There are four main types of long-term care coverage: traditional long-term care insurance, long-term care partnership programs, life insurance with long-term care riders, and annuities with long-term care riders. The best type of policy for people with high cholesterol is usually a traditional long-term care policy or a long-term care partnership program. However, everyone’s situation is unique. Click here to try our proprietary “Policy Finder” tool (no phone required). It will give you an instant ranking of the four types of policies based upon your answers to a few short questions.

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Will I pay more for long-term care insurance if I have high cholesterol?

Probably not. Most long-term care insurers do not charge extra premium if an applicant has high cholesterol. It’s still a good idea to work with a long-term care insurance professional who can help you shop around and compare several different policies. 

Can I qualify for long-term care insurance if I have a family history of high cholesterol?

Yes, you can qualify for long-term care insurance if you have a family history of high cholesterol. Most long-term care insurance companies are not concerned when there’s a family history of high cholesterol.

If I have high cholesterol will I have to take a physical in order to qualify for long-term care insurance?

Some long-term care insurers do not require a physical if you have high cholesterol. Most long-term care insurance companies will review your medical records in order to determine if they can insure you. Ask your long-term care insurance specialist what underwriting criteria each company will use before deciding which long-term care insurance policy is best for you.

If you have high cholesterol, a long-term care insurance specialist will ask you the following questions to determine if you can qualify for a long-term care insurance policy and calculate your premium:

When were you first diagnosed with high cholesterol?

What prescriptions have you taken in the last year for high cholesterol?

What were your most recent cholesterol levels?

Request a 15-minute phone call from an LTCi specialist. No obligation.

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