Hi everyone, we are back with Matt Rann talking about high cholesterol and how it can influence insurance applications. Last year the NHS shared that 6 out of 10 adults have high cholesterol and the scary thing is that many people are completely unaware of it. 

High cholesterol often comes hand in hand with other conditions and it is picked up, but there are no specific symptoms of high cholesterol which can mean that a lot of damage can be done before someone realises that they have it.

The key takeaways:

• High cholesterol is linked to an increased risk of stroke, heart attack and vascular dementia.
• Broadly speaking for protection insurance high cholesterol under 5 is seen as ok, and over 6 is seen as high. This isn’t set in stone!
• Familial hypercholesterolaemia can have quite an influence on the insurance options that are available to people.

Next time we have Ruth Gilbert with us who will be talking about Trusts and the Payout Planner that is available with some insurers. This is sure to be another area that will be seen as a key example of you doing right by your customer, when it comes to the Consumer Duty principle.

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.

If you want to know more about how to arrange protection insurance, take a look at my 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.