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Cholesterol
Home > High Risk Information > Cholesterol
With high levels of cholesterol from foods saturated in fat artery linings form plaque that obstructs the arteries. Insurance companies are concerned that high blood-cholesterol levels increase the incidence of heart disease. Fortunately, not all insurance companies use the same standards to evaluate cholesterol. Companies measure by one of the following indices:
- Cholesterol;
- the Cholesterol/HDL Ratio (high density lipids); or
- both Cholesterol and the Cholesterol/HDL Ratio.
Note:
A major classification problem can arise when an applicant does not know the cholesterol history or current levels. Premium quotes are tentative until cholesterol levels are confirmed from a blood sample taken during the free insurance company-paid examination.
Solutions:
1. Shop for the company that provides the most liberal measurement of your cholesterol which will equate to the lowest premium.
2. If you are being treated for cholesterol, avoid companies that would reclassify you to a higher premium table.
Best Class:
With lowest Cholesterol readings as define above, and no treatment history the lowest premium, Preferred Best, is available. Treated cholesterol may be eligible for Preferred, the second lowest premium classification with some companies.
Action:
Complete the Personalized Quote to begin the process to find the companies with the most liberal acceptance guidelines and lowest premiums for your status.
Need Help?:
Make a no-obligation call to our quote desk to clarify you status before proceeding with the Personalized Quote or e-mail your question to us at info@choicequote.com
