2023 Burial Insurance with High Cholesterol
Getting burial insurance with high cholesterol is as easy as ABC. High cholesterol will not prevent you from qualifying for an affordable burial insurance policy.
The great news is most burial insurance companies don’t even care if you have this condition. You will easily qualify for the best plan with us at the best rate.

Almost all burial insurance companies will issue you a plan with first-day coverage. This means there will be no waiting period, and you can qualify for the lowest premium.
This article will tell you how to qualify for burial insurance with high cholesterol. We will also give you actual pricing to provide a ballpark figure on how much you will pay for insurance coverage.
FOR EASIER NAVIGATION:
- Can You Qualify for Life Insurance If You Have High Cholesterol Level?
- What Is My Best Insurance Option If I Have High Cholesterol?
- What Types of Insurance Policies Should I Avoid?
- If I Have High Cholesterol, Do I Need A Medical Exam to Qualify for Burial Insurance?
- High Cholesterol and Burial Insurance
- Burial Insurance Underwriting If You Have High Cholesterol
- How Much Insurance Do I Need If I Have High Cholesterol?
- How Should I Pay My Premiums?
- High Cholesterol and Burial Insurance Riders
- Benefits of Burial Insurance
- How to Get the Best Burial Insurance Rates for High Cholesterol
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With High Cholesterol
Can You Qualify For Life Insurance If You Have High Cholesterol Level?

YES, you can qualify for coverage…and with the best prices!
High cholesterol will not prevent you from qualifying for an affordable burial insurance policy.
Almost all burial insurance companies will issue you a plan with immediate coverage. This means there will be no waiting period, and you can qualify for their lowest premiums.
The insurance companies don’t even ask about high cholesterol in their health questions on your application. They don’t even care if you are taking medications to control this condition.
What Is My Best Insurance Option If I Have High Cholesterol?
If you have a high cholesterol level, your best insurance option is a level benefit plan. Level benefit insurance comes with first-day coverage and no waiting period. You will also pay the lowest rate with this plan.
LEVEL DEATH BENEFIT (First-day Coverage)
If you have a high cholesterol level, we have companies that will accept you with a level death benefit (first-day coverage).
The life insurance benefit amount will be the same throughout the whole life of the policy, and your beneficiaries will receive the full amount when you pass away. Level coverage has first-day coverage without a waiting period and at the lowest rates.
COVERAGE AVAILABLE | RECOMMENDED | WILL YOU QUALIFY |
---|---|---|
1st Day Coverage | Yes | Yes...do this one! |
1-Year Waiting Period | No | Don't do this! |
2-Year Waiting Period | No | Don't do this! |
Here are the benefits of first-day coverage life insurance:
FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
---|---|
1st Day Coverage | YES |
Rates NEVER Increase | YES |
Coverage NEVER Decreases | YES |
Easy to get approved | YES |
No Medical Exam | YES |
Same Day Approval | YES |
Death Claims Pay Fast | YES |
Builds cash value | YES |
Coverage Up To Age 121 | YES |
High cholesterol or high cholesterol ratio on its own will not create an issue unless you have other significant health conditions that may prevent you from qualifying for a level death benefit.
The most important thing is, to be honest about any other health conditions when applying for burial insurance.
GUARANTEED ISSUE BURIAL INSURANCE (Two-year waiting period)
If you have serious cardiovascular issues or severe health conditions aside from your high cholesterol, you will only qualify for guaranteed issue burial insurance. This plan is your best option if you cannot be eligible for a level death benefit.
Applying for guaranteed issue life insurance is easier because it does not require a medical exam and does not ask any questions about your health. You will qualify regardless of any serious medical conditions you have at this time.
This means that even if you have a terminal illness like cancer, you can still be eligible for coverage. You will qualify for guaranteed issue burial insurance if you meet the age requirements and the policy is available in your state.
What Types Of Insurance Policies Should I Avoid?
First-day coverage is the best burial insurance for people with high cholesterol. If your insurance agent tries to sell you a plan with a two-year waiting period, don’t accept it.
Here are the types of life insurance policies you should avoid:
PLANS TO AVOID | WHY? |
---|---|
Term life | Premiums increase after 5 years. Coverage ends after 80. |
Pre-paid funeral plans | Expensive |
Universal life | Tied with stocks |
No health questions policies | With 2-year waiting period |
Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
Over priced plans | Insurance from TV and junk mail |
Plans that accept mail-in payments | Risky |
Plans that accept Direct Express | High lapse rate |
Plans that accept Credit Cards | High lapse rate |
If I Have High Cholesterol, Do I Need A Medical Exam To Qualify For Burial Insurance?
And you know what’s great? Burial insurance doesn’t even require you to take a medical exam.
You don’t need to submit urine and blood samples. You will only answer a few questions about your health. You can even choose a no-health questions policy if you prefer.
You don’t need to take a medical exam. You only need to answer a simple health questionnaire to qualify for coverage. Companies that ask health questions offer first-day coverage.
High Cholesterol And Burial Insurance
Insurance companies know that high cholesterol levels can increase your chances of having a heart attack, heart disease, or stroke.
For burial insurance companies, however, your high cholesterol level won’t affect your premiums or insurability. You will still be eligible for level death benefit even with high cholesterol levels.
Premiums differ from life insurance providers, so it is essential to let us help you research and compare prices.
If you have high cholesterol and looking to buy burial insurance, we have all the companies that will approve you with first-day coverage at an affordable premium.
Burial Insurance Underwriting If You Have High Cholesterol
In their application questionnaire, burial insurance companies do not even ask about your high cholesterol.
Burial insurance with high cholesterol has relaxed underwriting. The insurance company will only examine your prescription history to determine your health condition.
Prescription Medication Check
Medications are essential to control the high cholesterol level and prevent damage to other internal organs. These medications can be used alone, but most people suffering from high cholesterol are on at least two different high cholesterol medications.
Some common medications prescribed for cholesterol control are:
- Atorvastatin (Lipitor)
- Fluvastatin (Lescol)
- Pitavastatin (Livalo)
- Pravastatin (Pravachol)
- Rosuvastatin calcium (Crestor)
- Simvastatin (Zocor)
If you are taking any of these medications, don’t worry. Taking medications will not affect your burial insurance eligibility with any life insurance companies. They will still qualify you for burial insurance with high cholesterol and give you first-day coverage.
How Much Insurance Do I Need If I Have High Cholesterol?
Now that you know, you can easily qualify for high cholesterol burial insurance with first-day coverage. You might be asking yourself, “how much burial insurance do I need?
The amount of burial insurance you need varies on your personal need and financial circumstances. But it should primarily cover the cost of your end-of-life expenses.
Your funeral and burial costs are often the biggest expenses you must pay. Here’s the average cost of funeral and burial expenses from the National Funeral Directors Association.
AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
---|---|
Non-declinable basic services | $2,300 |
Removal/ transfer of remains to funeral home | $350 |
Embalming & preparation of the body | $1,050 |
Use of facilities for viewing & funeral ceremony | $965 |
Hearse | $325 |
Service car/van | $150 |
Basic memorial printed package | $183 |
Metal casket | $2,500 |
Vault | $1,572 |
Median Cost of a Funeral With Viewing and Burial | $9,420 |
If you want to be buried when you leave this world, you can use this table to estimate your burial cost. If you want to be cremated instead, use the table below to compute your cremation cost.
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
---|---|
Non-declinable basic services fee | $2,300 |
Removal/ transfer of remains to funeral home | $350 |
Embalming & preparation of the body | $1,050 |
Use of facilities for viewing & funeral ceremony | $965 |
Service car/van | $150 |
Basic memorial printed package | $183 |
Cremation fee (if firm uses a third-party crematory) | $368 |
Cremation Casket | $1,310 |
Urn | $295 |
Median Cost of a Funeral with Viewing and Cremation | $6,970 |
Rental Casket | $995 |
Alternate Cremation Container | $150 |
Here are the steps to calculate your burial insurance needs:
1. Write your final wishes to get a better idea of how much your burial or cremation will cost. Do online research, and ask your nearest funeral director to determine your area’s burial, funeral, and cremation costs. Compute the cost of your burial or cremation.
2. Compute your other end-of-life expenses. Include your outstanding debts, medical bills, credit card bills, living expenses, legal costs, and other past-due accounts on your computation.
3. Don’t forget to factor in the inflation in your computation. The average inflation rate is 2%, which means you lose 2% of your money’s worth due to inflation. The average funeral and burial costs are around $10,000. It is wise to get at least $15,000 to cover inflation.
Computing your end-of-life expenses, other final expenses, and inflation will help you calculate how much burial insurance coverage you should buy.
How Should I Pay My Premiums?
Savings or checking accounts are the best. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you will not worry about your policy lapsing due to non-payment.
Most of the people we helped find paying monthly the best because it is easier on the budget. You can also schedule your monthly payment for the same day you receive your social security or retirement benefits.
High Cholesterol And Burial Insurance Riders
You have the option to add a policy rider to your basic policy. Insurance riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your specific needs. Some riders can be added to your policy without additional cost. However, some riders come with some extra costs. Don’t worry; riders are affordable and involve little to no underwriting.
Here’s a list of common burial insurance riders:
FUNERAL FUNDS ADD-ONS | AVAILABILITY |
---|---|
Terminal Illness Add-On Benefit | Included with most plans |
Nursing Home Care Add-On Benefit | Included with most plans |
Benefits Of Burial Insurance
- Easy to qualify. No medical exam is needed; you are only required to answer a few health questions.
- Level premium. Your monthly insurance bill will never increase. You lock in the rate at your current age, and the premium will never go up regardless of your advancing age or worsening medical condition.
- Fixed death benefit. Your beneficiaries will receive your exact death benefit because it will never decrease.
- Tax-free. Your death benefit will be directly paid to your beneficiary tax-free.
- Not cancelable. Your insurance policy can never be canceled by the life insurance company if you keep paying the premiums on time.
How To Get The Best Burial Insurance Rates For High Cholesterol
The best time to buy burial insurance with the lowest rate is when you are healthier and younger. Getting healthier is not possible 99% of the time, especially when you have a pre-existing medical condition. Getting younger is impossible because we get older each year. Now is the time you can be younger and healthier.
You’re wrong if you think you need to lose weight first to get the best rate. Many people decide to lose weight; up until now, they haven’t lost weight, and still, they don’t have life insurance. Get life insurance now because you can qualify for coverage even if you are overweight. We will help you.
Do you want to quit smoking before getting burial insurance? Think again. Every life insurance company has a 12-month lookback period on smoking. You cannot get the best rate unless you have quit smoking for a year. Get insured now and get back to us when you finally quit smoking for a year, and we will help you get lower rates.
GETTING THE BEST RATE | |
---|---|
Younger | Less Expensive |
Older | More Expensive |
Healthier | Less Expensive |
Television Ads | More Expensive |
Junk Mail | More Expensive |
No Health Questions | More Expensive |
Funeral Funds | Less Expensive |
So, when is the best time to get burial insurance with high cholesterol?
Today is the best time to get burial insurance with high cholesterol. Each year you procrastinate, you will pay more premiums. Get insured today because life is uncertain, and we don’t know what will happen tomorrow.
One last and important tip, shop with an independent insurance agency like Funeral Funds. We work with many top-rated life insurance companies in the market today. We can help you find the best life insurance company that gives the best rate.
How Can Funeral Funds Help Me?
Finding a policy with high cholesterol needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of high cholesterol, let us help you; we will work with you side by side to find a plan that fits your needs.
We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies to get the best rate. We will match you up with the best life insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for high cholesterol funeral insurance, high cholesterol burial insurance, or high cholesterol life insurance, we can help. Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.

Additional Questions & Answers On Burial Insurance With High Cholesterol
Can you get life insurance if you have high cholesterol?
Yes, you can get life insurance if you have high cholesterol. However, the premiums for life insurance may be higher if you have high cholesterol and other significant cardiovascular issues.
What is considered high cholesterol for life insurance?
Most insurers consider a cholesterol level of 240 or above high. If you have a history of heart disease or other cardiovascular problems, your insurer may require a lower cholesterol level.
Is high cholesterol a big deal in life insurance?
No, high cholesterol is not a big deal in life insurance. Most life insurance companies do not ask about high cholesterol on their health questionnaire.
What is considered critically high cholesterol?
Insurers consider a cholesterol level of 300 or above to be critically high. If you have a history of heart disease or other cardiovascular problems, your insurer may require a lower cholesterol level.
Is high cholesterol a lifestyle risk factor?
Yes, high cholesterol is considered a lifestyle risk factor. You can control your cholesterol level by eating a healthy diet and exercising regularly. If you have high cholesterol, your doctor may also prescribe medication to help lower your cholesterol level.
Can you get life insurance with high triglycerides?
Yes, you can get life insurance with high triglycerides. However, the premiums for life insurance may be higher if you have high triglycerides and other significant cardiovascular issues.
What is considered high triglycerides for life insurance?
Most insurers consider a triglyceride level of 200 or above high. If you have a history of heart disease or other cardiovascular problems, your insurer may require a lower triglyceride level.
Is high triglycerides a big deal in life insurance?
No, high triglycerides are not a big deal in life insurance.
Can I be denied life insurance for high cholesterol?
No, you cannot be denied life insurance for high cholesterol. However, the premiums for life insurance may be higher if you have high cholesterol and other significant cardiovascular issues.
Can a person with high cholesterol get burial insurance?
Yes, a person with high cholesterol can get burial insurance. They can easily qualify for a first-day coverage plan with no waiting period.
Can you get first-day coverage insurance if you have high cholesterol?
Yes, you can get first-day coverage insurance if you have high cholesterol. most insurance companies do not ask about high cholesterol on their health questionnaire.
What is my best insurance option if I have high cholesterol?
If you have high cholesterol, your best insurance option is a first-day coverage plan with no waiting period.
What are the things that may affect my eligibility if I have high cholesterol?
The things that may affect your eligibility if you have high cholesterol are whether you have other significant cardiovascular issues and your age.
What are some things to consider when choosing a burial policy with high cholesterol?
Some things to consider when choosing a burial policy with high cholesterol are the premiums, the coverage, and the waiting period.
Is there a limit to how much coverage I can get with high cholesterol?
You can buy $2,500 to $50,000 coverage if you have high cholesterol.
Is high cholesterol a pre-existing condition for life insurance?
No, high cholesterol is not a pre-existing condition for life insurance. Most life insurance companies do not ask about high cholesterol on their health questionnaire.
Do I need to take a medical exam if I have high cholesterol?
No, you do not need to take a medical exam if you have high cholesterol.
What is the best life insurance for someone with high cholesterol?
The best life insurance for someone with high cholesterol is a first-day coverage plan with no waiting period.
Can high cholesterol patients get final expense insurance?
Yes, high cholesterol patients can get final expense insurance. They can even qualify for a first-day coverage plan with no waiting period.
What is the average cost of life insurance for someone with high cholesterol?
The average cost of life insurance for someone with high cholesterol varies according to age, gender, location, and general health.
Is there a waiting period for life insurance with high cholesterol?
No, there is no waiting period for life insurance with high cholesterol. The policy starts from the first day.
Can high cholesterol affect life insurance?
No, high cholesterol cannot affect life insurance. Your life insurance policy cannot be canceled or non-renewed due to high cholesterol.
What are some tips for getting life insurance with high cholesterol?
Some tips for getting life insurance with high cholesterol are to shop around, compare rates, and choose a policy with no waiting period.
Can a person with high cholesterol get cremation insurance?
Yes, a person with high cholesterol can get cremation insurance. They can easily qualify for a first-day coverage plan with no waiting period.
Can you be rejected for life insurance because of high cholesterol?
No, you cannot be rejected for life insurance because of high cholesterol. You can easily qualify for life insurance if you have high cholesterol.
Can high cholesterol affect your life insurance rates??
No, high cholesterol will not affect your life insurance rates. you can still qualify for the lowest rates.
What is the best final expense life insurance for high cholesterol?
The best final expense life insurance for high cholesterol is a first-day coverage plan with no waiting period.
Is there an age limit for burial insurance with high cholesterol?
If you are 18-85, you can easily qualify for a first-day coverage plan with no waiting period.
How can you get the best life insurance rates with high cholesterol?
The best way to get the best life insurance rates with high cholesterol is to shop around and compare rates. You can also work with an independent life insurance agent to do the shopping for you.
Can high cholesterol medication affect my premium??
No, high cholesterol medication will not affect your premium. You can still qualify for the lowest rates.
What are some things I need to know about high cholesterol and life insurance?
Some things you need to know about high cholesterol and life insurance are that most life insurance companies do not ask about high cholesterol on their health questionnaire, you do not need to take a medical exam if you have high cholesterol, and the best life insurance for someone with high cholesterol is a first-day coverage plan with no waiting period.
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