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Cholesterol Ratio

Cholesterol ratio is the ratio of HDL ("good") cholesterol to LDL ("bad") cholesterol. When too much LDL cholesterol circulates in the blood, it can slowly build up in the walls of the arteries that feed the heart and brain and cause atherosclerosis.

About a third of blood cholesterol is carried by high-density lipoprotein (HDL). HDL cholesterol is known as the "good" cholesterol because a high level of it seems to protect against heart attack.

Underwriting Example
The chart at the right shows one company's criteria for cholesterol ratio. Choose your company with care, because this can vary widely. You could end up paying several hundred dollars more than necessary.

Cholesterol Ratio
Category Maximum
Pref. Plus 5.0
Preferred 6.0
Std. Plus 7.0
Standard 8.0

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Life insurance quotes updated September 29, 2023