High cholesterol and high blood pressure affects almost 30 percent of people in the United Kingdom.
Although these conditions are not serious, they can cause serious problems with your health if left untreated.
Many insurance seekers believe that pre-existing conditions such as these have a negative affect on life insurance policies.They believe that individuals with these conditions pay higher premiums than others. Claybrooke can help these individuals find affordable coverage to meet all their insurance needs.
What is High Cholesterol?
There are two main types of cholesterol found naturally in the human body – LDL or low-density lipoprotein and HDL or high-density lipoprotein. Each of these types of cholesterol performs different functions for the body’s systems. The diagnosis of high cholesterol is determined by the presence of abnormally high levels of one or the other type of cholesterol in an individual’s blood stream.
This is usually caused by a combination of different factors including both life-style choices and genetics.
Low-density lipoprotein transports cholesterol from the liver to different cells throughout the body. When excess LDL builds up along artery walls, it can lead to a condition known as artery disease. Because LDL causes this buildup, it has been coined “bad cholesterol.”
High-density lipoprotein performs the opposite function – HDL carries cholesterol away from different organs in the body and back to the liver where it is broken down. This function has helped HDL to be considered “good cholesterol.”
What is High Blood Pressure?
The measure of how strong the heart pumps blood throughout the body is known as blood pressure. This function of the heart allows blood carrying vital oxygen to reach organs that need it throughout the body. As the heart muscle expands and contracts, it pushes blood through the veins and arteries that link it to the rest of the body.
This expanding and contracting causes an individual’s blood pressure to continually fluctuate between a maximum and minimum level.
Maximum and minimum blood pressure levels are referred to as systolic and diastolic pressures respectively. These numbers are usually measured as one over the other, such as 120 over 80.
The first or “top” number is a representation of systolic pressure and the second or “bottom” number represents diastolic pressure. High blood pressure is diagnosed when these numbers are consistently higher than 140 over 90 for a determined period of time, usually a number of weeks with regular screenings.
Life Insurance and High Blood Pressure or Cholesterol
The high incident rate associated with these conditions from a medical standpoint makes high blood pressure and high cholesterol a red flag for insurers. These higher incident rates make applicants with these conditions a higher risk, which can lead to higher premium payments.
Luckily, advances in medical science have made managing these conditions simple and individuals who are otherwise in good health are usually granted standard terms from life insurance companies.
Although many individuals who have pre-existing conditions such as high cholesterol or high blood pressure fear high premiums or even denied coverage from insurance companies, the knowledgeable insurance professionals at Claybrooke can help them secure a life insurance policy that both fits their needs and their budget.
High blood pressure or high cholesterol does not have to come with high monthly premiums for life insurance – Claybrooke is available and ready to help!