High Cholesterol? Run The Underwriting Play
High cholesterol on the lab report? Don’t send the case to the sidelines just yet.
HDL—the “good” cholesterol—can be the game-changer that helps keep the play alive.
That’s why the cholesterol/HDL ratio matters. A strong ratio can help move the case toward a better offer.
Some carriers look beyond the total cholesterol number and focus on the good cholesterol.
Here are a few plays that scored:
- Male client, age 45, NS
- $2 million Term; cholesterol 298; Chol/HDL ratio 5.0
- Does not take any medication
Final score: PREFERRED BEST!
- Female client, age 60, NS
- $1 million UL; cholesterol 275; Chol/HDL ratio 6.0
- Takes a prescribed cholesterol medication
Final score: PREFERRED!
- Male client, age 52, NS
- $500,000 Term; cholesterol 260; Chol/HDL ratio 7.0
- Takes a prescribed cholesterol medication
Final score: STANDARD PLUS!
Higher cholesterol may still help put points on the board with a strong rate class and a better sales opportunity.
Send us the case. Our Underwriting Team will help turn more cholesterol cases into sales touchdowns.