How do Life Insurance Carriers view Underwriting Cholesterol?
A person’s cholesterol is a soft, fatty, wax like substance found in your bloodstream and thorough out your entire body. Having cholesterol is a perfectly normal thing, as it is is an important part of your body due to the fact that it’s used for things such as producing cell membranes, and serves other vital bodily functions. However, too much bad cholesterol in the blood is a major risk for coronary heart disease (in effect leading to heart attacks) and for medical ailments like a stroke. Life insurance companies are very aware of these things when underwriting cholesterol.
Underwriting Cholesterol and Life Insurance
Underwriting Cholesterol with Life Insurance – Each and every life insurance company has its own view on underwriting cholesterol. They have different total cholesterol, cholesterol/HDL ratio, and other ratios that are taken into consideration when determining your life insurance underwriting classification. Some life insurance companies will offer top underwriting term life rates even if you are currently taking cholesterol medication while other companies take a less aggressive stance when
Here is an example of how an aggressive company looks at Underwriting Cholesterol
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Underwriting Cholesterol Case Study:When it comes to our life insurance underwriting, we follow a responsibly aggressive approach and look closely at controlled impairments. Here’s an example for the record: |
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The Insurance Company Issued: Preferred Plus
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57-year-old femaleAs you can see, there are many different factors that life insurance companies take into consideration when underwriting cholesterol. However, if you are honest about your health, odds are that you can find a carrier that will give you the best health class when underwriting your cholesterol situation.
Please visit our underwriting center for more information on underwriting cholesterol.
