Take Heart! Not All Cholesterol Is Bad

Take Heart! Not All Cholesterol Is Bad

Did you know:
  • The liver produces all the cholesterol our body needs, however, dietary cholesterol (taken in through the foods we eat), causes the liver to send even more cholesterol into the bloodstream.
  • High cholesterol can cause fatty build up in the arteries which increases our risk of heart disease and stroke.
  • High-density lipoprotein, or HDL, is considered “good” cholesterol.  HDL helps to remove bad cholesterol known as low-density lipoprotein, or LDL.  Triglyceride is another form of cholesterol and the most common type of fat in the body.
  • Cholesterol/HDL Ratio is calculated by dividing total cholesterol by HDL.  The higher the HDL, the lower the ratio.  This is a good thing!

In the past, carriers looked stringently upon all cholesterol levels when underwriting a case.  These days, there are some carriers who can overlook total cholesterol levels if between 150-300.

Preferred classes are available with favorable, low cholesterol/HDL ratios, even with total cholesterol levels nearing 300!

Consider these examples:
  • Male client, age 45, NS
  • Seeking $2 mil of Term, Cholesterol on exam was 298 with a Chol/HDL ratio of 5.0
  • Does not take any medication

Underwriting outcome: PREFERRED BEST!

  • Female client, age 60, NS
  • Seeking $1 mil of UL, Cholesterol on exam was 275 with a Chol/HDL ratio of 6.0
  • Takes a prescribed cholesterol medication

Underwriting outcome: PREFERRED!

  • Male client, age 52, NS
  • Seeking $500k of Term, Cholesterol on exam was 260 with a Chol/HDL ratio of 7.0
  • Takes a prescribed cholesterol medication

Underwriting outcome: NON SMOKER PLUS!

Our Life Underwriting Department has a heart for finding the best possible outcomes on your cholesterol cases.  Give us a call!