Life Insurance with Cholesterol Medications

Taking Lipitor (atorvastatin) has minimal impact on rates if your cholesterol is controlled. In fact, treating high cholesterol is viewed positively - it shows you're managing your cardiovascular risk. Most people on Lipitor qualify for Standard Plus or even Preferred rates.

Ideal numbers vary by insurer, but generally: total cholesterol under 240, LDL under 160, HDL over 40 (men) or 50 (women), and triglycerides under 200. More importantly, your total cholesterol to HDL ratio should be under 5.0. Even if individual numbers are slightly elevated, a good ratio is favorable.

Familial hypercholesterolemia (genetic high cholesterol) may be viewed differently than lifestyle-related cholesterol issues. If you have a family history, focus on demonstrating good control with medication. Some insurers are more lenient with genetic conditions if they're well-managed.

Untreated high cholesterol is actually viewed less favorably than treated cholesterol. If you have elevated numbers and aren't on medication, insurers may wonder why. Taking medication shows proactive health management. Consider discussing treatment with your doctor before applying.

PCSK9 inhibitors are typically prescribed when statins alone aren't sufficient or for familial hypercholesterolemia. Using these medications may indicate more severe cholesterol issues, but insurers focus on whether your numbers are controlled. If Repatha or Praluent is working well, you can still qualify for coverage.