Yes, and it is one of the conditions the no-exam route handles best. Accelerated underwriting frequently clears well-controlled cholesterol without any human review.
Of all the conditions covered on this site, elevated cholesterol is among the most compatible with a no-exam application.
Why it fits accelerated underwriting
Cholesterol on its own, treated and controlled, is a mild impairment with abundant mortality data behind it. Accelerated programs are built to clear exactly this kind of file — full-size cover, no exam, and frequently a decision the same day.
The catch is that these programs read data from other sources, so a poor recent panel or an unfilled statin prescription can route the application into underwriting">full underwriting. That is a delay rather than a decline, and carriers also run random holdouts that send a share of qualifying applications to full underwriting as a model audit.
When simplified issue makes more sense
If the numbers are poor, or cholesterol sits alongside a cardiac history or diabetes, simplified issue gives a predictable answer without a blood draw. For most people with treated cholesterol and no cardiac history it is a more expensive answer to a question that did not need it.
What to do first
Work out your ratio from your most recent panel. A good ratio means you are a strong candidate for the fastest route available; a poor one means it is worth waiting for a repeat panel before applying at all.
The full treatment of this topic is on High cholesterol.