It may surprise you to know that cholesterol itself isn’t bad. Cholesterol is one of the many substances created and used by our bodies to keep us healthy. Some of the cholesterol we need is produced naturally while some of it comes from what we eat.
There are two types of cholesterol: HDL, the “good” cholesterol, and LDL, the “bad” cholesterol. A healthy level of HDL helps protect against heart disease and stroke.
The total cholesterol-to-HDL ratio (chol/HDL ratio) is also an indicator in determining an individual’s risk of developing heart disease. This ratio is obtained by dividing the total cholesterol value by the value of the HDL cholesterol. Healthy, higher levels of HDL – the “good” cholesterol – helps to drive down the ratio. This is a good thing! Low ratios indicate a lower risk and, thus, are more desirable.
One of our A+ carriers no longer looks at total cholesterol in assessing risk but reviews only the cholesterol/HDL ratio instead.
Now clients with high total cholesterol but lower, favorable ratios can still qualify for best rates.
Underwriting outcome: PREFERRED BEST!
Underwriting outcome: PREFERRED!
Underwriting outcome: NON SMOKER PLUS!
*Total cholesterol cannot exceed 300
We also have other top rated carriers who use only cholesterol/HDL ratios in their underwriting criteria.
Contact our Underwriting Team today for more information and let us help you boost your sales this quarter!
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