Unless you have lived on your own private island without Wi-Fi, you have probably heard now that your cholesterol are a huge indicator to determine your overall heart health. Cholesterol is the waxy gunk (also called "fat") in the fat part of the blood. (Ew!) According to the Mayo Clinic, high levels of cholesterol can increase your risk of heart disease
At this point, you might ask yourself :. "What is this crap fat have to do with life insurance?" The answer is: "not bad, actually" have good cholesterol is one of the "checklist" of items that insurers use to determine life insurance eligibility. and prices. Not too long ago, if you had a combined level of HDL (good cholesterol) and LDL (bad) cholesterol over 250, it was more difficult (or at least most expensive) to obtain life insurance. (Bummer, right?)
But wait ... news flash! In recent years, insurance companies have been using the "Cholesterol / HDL Ratio" as favorite gauge for determining heart health of an individual. And who benefits from this change in method? yOU! (At least maybe.)
so even if your total cholesterol is a higher number than normal, and you thought you would never qualify for life insurance, you may be pleasantly surprised. Now that carriers use the cholesterol / HDL ratio as the "gold standard", more people as you may now be eligible to get the best discounted rates for quality life insurance. (now you can start your happy dance.)
for more on this subject, look this short informative video. Howard Weissman, medical Underwriting Expert AccuQuote, will tell more about how you can get affordable life insurance even if your cholesterol level is less than perfect.
Everybody ANYONE who financially as life insurance needs. It is an incredibly affordable way to ensure the financial future of your family is protected when you die. And the last time we checked, the chances of death are still 1 of ONE . (We're just sayin '.)
Questions? Feel free to reach out to us. You speak with a real person! (Imagine that!) We are here to help. And that comes straight from the heart.
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