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If you’re struggling to pay your Life Cover monthly premiums because of coronavirus, help is available. Please visit our Frequently Asked Questions page for more information. Alternatively, please contact our HSBC Life Protection Plan Support team at Support@lifeprotectionplan.hsbc.co.uk or 0333 207 5563 to find out more.

Raised cholesterol

Raised cholesterol

  • Life cover –  Quotes are possible with increased premiums or we may not be able to provide a quote 
  • Critical Illness and TPD –  HSBC Life will either offer standard rate decisions or be unable to provide a quote .

There are some rules that apply across all applicants with raised cholesterol – that would result in HSBC Life not being able to offer Life, Critical Illness or TPD cover at the current time. Such as:

  • Outstanding investigations or referrals with a cardiologist or other medical professional
  • If they have any problems with your kidneys or eyes; or an abnormal ECG
  • If they have associated cardiovascular complications, such as a history of heart attack, angina or stroke – this list is not exhaustive.

This is a general guide and is not a guarantee of acceptance.

ExampleScenario (assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits)Life CoverCritical Illness CoverTPD Cover
1Aged 35; non smoker; no outstanding referrals or investigations; past history of raised cholesterol; no current treatment; last cholesterol reading 3.8.StandardStandardStandard
2Aged 29; non smoker; no outstanding referrals or investigations; 1 current medication; last cholesterol reading 4.5.StandardStandardStandard
3Aged 60; non smoker; no outstanding referrals or investigations; 1 current medication; last cholesterol reading slightly raised; review within next 6 months.+50% loaded
Terms wouldn’t be offered
Terms wouldn’t be offered
4Aged 60; smoker 20 cigarettes per day; no outstanding referrals or investigations; 2 current medications.Terms wouldn’t be offeredTerms wouldn’t be offeredTerms wouldn’t be offered