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Why is Cholesterol So Important to Life Insurance?
A big part of underwriting is evaluating risk. One way some life insurance companies determine the risk of insuring a life is by doing a medical evaluation, during which time a blood sample is taken to determine among other things, how high is your total cholesterol and what is its ratio to HDL (high density level or "good" cholesterol).
People with high cholesterol levels are not always necessarily uninsurable. But they certainly do pose a higher risk to the insurance company than someone with lower cholesterol, and therefore will pay a higher premium to offset that risk.
For tips on how to lower your cholesterol fast, or advice on how to get the best results when taking the life insurance exam, visit the "Tips and Articles" section for more details. Staying healthy by exercising regularly and eating a healthy diet can add years to your life. They can also help save you hundreds of dollars each year by qualifying you for the best life insurance rates available.
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