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If we have established anything over the past 500+ posts in this blog, it’s that no two life insurance companies underwrite exactly the same. Cholesterol and cholesterol ratios (total/hdl) are carefully viewed in the labwork done for life insurance.  Because of the perceived risk of high cholesterol and/or low hdl, benchmarks are set whereby the rates change in conjunction with less favorable results. A few examples illustrate how different companies view this issue.

1. American General – Preferred plus Cholesterol: If HDL < or = to 5.0, 205
If HDL < or = to 4.5, 240 – Preferred  If HDL < or = to 6.0, 235
If HDL < or = to 5.5, 260
– Standard plus  If HDL < or = to 7.0, 250
If HDL < or = to 6.5, 280 – Standard
If HDL >7.0, 250 If HDL >6.5, 280

2. Banner Life – Preferred plus  Cholesterol: Levels may not exceed 220; CHOL/HDL may not exceed 5.0 – Preferred Level may not exceed 250; CHOL/HDL Ratio may not exceed 6.0 – Standard plus Level may not exceed 280; CHOL/HDL Ratio may not exceed 7.0 – Standard Level may not exceed 300; CHOL/HDL Ratio may not exceed 8.0

3. Genworth Life and Annuity – Preferred Best Cholesterol (treated or untreated): Maximum cholesterol 240; Cholesterol/HDL ratio cannot exceed 5.0 – Preferred Maximum cholesterol 270; Cholesterol/HDL ratio cannot exceed 6.0 – Select (standard plus) Maximum cholesterol 285; Cholesterol/HDL ratio cannot exceed 7.0 – StandardMaximum cholesterol 300; Cholesterol/HDL ratio cannot exceed 8.0

Bottom line. Three leading life insurance companies with three different views on the issue. I believes this lends some credence to the idea that it really does take an experienced independent agent to find the best rates.