LIFE INSURANCE UNDERWRITING GUIDE

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Cholesterol Ratio...
...versus average premium is plotted at the right. Rates are from the Term4Sale.com database as of April, 2002.

Cost of Poor Cholesterol Ratio
The cost difference among companies within a rate category can often be just a few dollars. The difference between categories can be quite large. This is the cost of poor cholesterol ratio. For a summary of all factors, click here.

Category Average Premium Category Difference
Pref. Plus $   730 $  -  
Preferred $   859 $129
Std. Plus $1,047 $188
Standard $1,356 $309
Total   $626


If you can lower your cholesterol ratio enough to qualify for a lower premium, it will not only save you money, it may prolong your life! If you need help evaluating your factors and choosing the right company, click here.

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