Qualify For a Burial Plan With High Cholesterol

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Benefit Information For Virginia Citizens Only

Like most, you probably do not want to leave these financial burdens to your loved ones. Proceeds from a final expense life insurance policy pass to your beneficiary at the time of your death to help cover funeral or burial expenses, unpaid medical bills or other costs. Speak to us today to find out how one purchase can lead to a lifetime of peace of mind.

Unexpected costs can create a financial burden on family members, making this time even more difficult. Planning your funeral arrangements or how your loved ones will pay for your final expenses is not typically at the top of anyone’s to-do list. But could your family pay for these expenses without sacrificing their retirement and savings? If you’d like the comfort of knowing you are not leaving a financial burden to your family, plan for these costs by purchasing life insurance.

A policy can protect your family from spending their hard earned savings on your final expenses. These whole life insurance policies offer you and your family lifetime protection with rates that never increase.

You’ll never have to worry about losing coverage. Even if your health conditions changes your rate is guaranteed for the rest of your life. An income tax free death benefit, money that passes to your beneficiary is generally income tax free. No required medical exams. Applying for one of these whole life insurance policies is quick and easy. Simply answer a few medical questions on the application with guaranteed qualification. Every applicant can qualify for coverage.

If you are suffering from high cholesterol, we have companies that will accept you with first day coverage at a low rate. A burial policy can be obtained for people in the age group of 55-75. This information will help you do a bit of research work before buying your policy.

Some benefits of choosing the right burial policy.

1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. Your benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.
Seniors looking for a state regulated final expense life insurance policy or a whole life burial plan often have medical impairments and conditions that may raise the cost of these benefits. I keep track of these medical impairments and conditions and contract with several carriers so I can find the most benefits for the amount of money that you spend.

High Cholesterol

Description

Elevated levels of cholesterol in the blood increases the risk of having narrowed arteries. The blockage is caused by a buildup of plaque and fat deposits (atherosclerosis). The diseases caused by this narrowing are dependent on the arteries being blocked but include: heart attacks, strokes, and peripheral vascular disease. People with elevated cholesterol also are likely to suffer from high blood pressure and diabetes. There are two types of cholesterol that make up the total level of cholesterol, LDL and HDL. LDL is considered bad cholesterol and HDL is good cholesterol.

To know a patient’s true risk of disease the provider must send a blood test that measures both LDL and HDL. In general the LDL should be less than 130 mg/dL and anything greater than 160 mg/dL is considered too high. An HDL level lower than 40 mg/dL increases the risk of atherosclerosis. A person’s cholesterol level is determined in part by inheritance, and in part by the foods he or she eats. Improving one’s diet and/or medications can generally reduce the levels.

Symptoms

There are usually no symptoms related to having elevated cholesterol.

Treatment

Treatment depends on how high the LDL level is and if other risk factors for developing blockage of the arteries (atherosclerosis) are present. Eating healthy foods, exercising more, and losing weight can improve mild elevations of cholesterol.

Other treatments include medications such as statins (atorvastatin/Lipitor, fluvastatin/Lescol, lovastatin/Altocor or Mevacor, pravastatin/Pravachol, rosuvastatin/Crestor, simvastatin/Zocor), bile acid binding drugs (cholestyramine/Prevalite or Questran, colesevelam/Welchol, colestipol/Colestid), cholesterol absorption inhibitors (ezetimibe/Zetia) and combination drugs (ezetimibe-simvastatin/Vytorin).

Medications

Sometimes, therapeutic lifestyle changes are not enough to lower cholesterol levels. In this case, your doctor may prescribe you certain medications to take in conjunction with therapeutic lifestyle changes. Medications used to treat high cholesterol include:
Statins (HMG CoA reductase inhibitors): These medications work in the liver to prevent the formation of cholesterol and are prescribed to help lower LDL (bad) cholesterol. They may also lower triglycerides and raise HDL (good) cholesterol. These medications are taken at night. You may experience muscle pain or elevations in your liver enzymes. Your doctor will usually recommend routine lab work to check liver function. These medications should not be taken if you are pregnant or have liver disease.

Examples of statin medications: atorvastatin (Lipitor), pravastatin (Pravacho), simvastatin (Zocor).

Examples of statins found in combination medications: lovastatin + niacin (Advicor), atorvastatin + amlodipine (Caduet), simvastatin + ezetimibe (Vytorin)

Fibrates (fibric acid derivatives): These medications work to lower triglycerides and sometimes increase HDL (good) cholesterol. They are not the best medications for lowering LDL (bad) cholesterol. These are often used in combination with statins, which are better for lowering LDL.

Examples: gemfibrozil (Lopid), fenofibrate (Tricor).

Niacin (nicotinic acid): This medication affects the production of triglycerides in the liver and works to lower triglycerides and LDL (bad) cholesterol. It also raises HDL (good) cholesterol. Common side effects are flushing, stomach ache and itching. It can also raise blood sugar so it is used with caution in diabetics. Sometimes doctors recommend taking aspirin with this medication to limit side effects of flushing. Because this medication works in the liver, liver function tests are often routinely checked to look for liver toxicity. The dietary supplement niacin is very different from the prescription form and should not be used for lowering cholesterol.

Brand name examples: Niaspran, Niacor

Selective cholesterol absorption inhibitors: These medications are a newer class of cholesterol medications that prevent absorption of cholesterol in the intestines. These medications are used to lower LDL (bad) cholesterol.

Example: ezetimibe (Zetia)

Resins (bile acid-binding drugs): Our body uses cholesterol to make bile. These medications bind to bile so it cannot be used during digestion in the intestines. As a response, your liver makes more bile. The more bile your body makes, the more cholesterol it uses, therefore leaving less cholesterol to circulate through your blood.

Examples: cholestyramine (Questran, Locholest), coesevelam Hcl (WelChol)

When treatment starts and what it involves depends on your cholesterol levels and your risk of developing heart disease. Recently, the American Heart Association and the American College of Cardiology released new cholesterol guidelines. Using a cardiac disease risk calculator, your doctor may elect to start you on cholesterol lowering therapy if your risk of developing heart disease or stroke in the next 10 years is greater than 7.5%.

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