Excessive complete ldl cholesterol doubles the chance of coronary heart illness, the main reason for dying in the USA. By narrowing the arteries and lowering the stream of oxygen-rich blood, excessive ldl cholesterol may also result in strokes. The American Coronary heart Affiliation (AHA) experiences that nearly 2 in 5 adults (or roughly 40%) in the USA have excessive ldl cholesterol (complete blood ldl cholesterol higher than 200 mg/dL).

As a result of excessive ldl cholesterol itself has no indicators or signs, many individuals don’t know that they is perhaps in danger. Laboratory outcomes from a paramedical examination might help convey consciousness of coronary heart well being points to each insurers and shoppers.

Ldl cholesterol developments amongst life insurance coverage candidates

In a latest evaluation, ExamOne found that life insurance coverage candidates’ developments mirrored nationwide developments with 38% of all ExamOne life insurance coverage applicants in 2023 had excessive complete ldl cholesterol (higher than 200 mg/dL), up from 32% in 2020.  

The speed of very excessive complete ldl cholesterol (higher than 240 mg/dL) amongst candidates different considerably by state, Puerto Rico was lowest at 8%, whereas New Hampshire was highest at 13.5%.

Excessive ldl cholesterol is usually related to males greater than ladies, nevertheless when evaluating feminine and male charges, feminine candidates having very excessive complete ldl cholesterol (higher than 240 mg/dL) was 11.5%, in contrast with 10.5% of male candidates.

Incorporating a well being examination into the life insurance coverage software course of helps insurers determine unknown or undiagnosed circumstances in candidates. And the very best device for measuring ldl cholesterol is a blood take a look at with a lipoprotein profile.

ExamOne analyzed 2023 information to find out the typical fee of very excessive complete ldl cholesterol (higher than 240 mg/dL) amongst life insurance coverage candidates by state.

Extra methods to evaluate candidates’ coronary heart well being

Along with present laboratory outcomes, insurers can collect extra insights into the guts well being of their candidates by buying historic laboratory outcomes from LabPiQture™ and monitor warmth associated medicines resembling cholesterol-lowering statins from prescription historical past present in ScriptCheck®. The extra well being information an insurer obtains on a life insurance coverage applicant the simpler they will assess their danger and underwrite accordingly.*

Insurers can assist applicant well being consciousness by providing laboratory outcomes to the applicant as a part of the applying course of, resembling ExamOne’s Inside Look® on-line laboratory outcomes. Serving to candidates determine danger components they is probably not conscious of might help encourage conversations with their doctor on methods to handle their danger and enhance their well being.

Insights and consciousness for shoppers

Insurers can assist applicant well being consciousness by providing laboratory outcomes to the applicant as a part of the applying course of, resembling ExamOne’s Inside Look® on-line laboratory outcomes. Serving to candidates determine danger components they is probably not conscious of might help encourage conversations with their doctor on methods to handle their danger and enhance their well being.

ExamOne is right here to assist your underwriting laboratory and information wants. Contact your ExamOne consultant to seek out out extra.

*ExamOne requires prior written consent from insurance coverage candidates, which seems within the HIPAA compliant authorization that’s a part of the insurance coverage software. The authorization have to be signed and dated previous to accessing the knowledge.