Cholesterol screening is a blood test used to measure levels of total cholesterol, LDL, HDL, and triglycerides to assess cardiovascular risk. Regular screening helps identify dyslipidemia, which is linked to coronary artery disease, stroke, and peripheral vascular disease. Results guide lifestyle recommendations and pharmacologic treatment such as statins. In life insurance underwriting, cholesterol levels and ratios are key components of preferred-risk criteria. Favorable readings, especially when combined with healthy build and blood pressure, support better risk classes, while markedly abnormal profiles can lead to ratings or postponements depending on severity and associated conditions.

Underwriters evaluate cholesterol screening results from paramed blood tests and medical records, focusing on LDL, HDL, and total/HDL ratios. Advisors prepare clients by encouraging fasting, hydration, and adherence to physician-recommended regimens before exams. When abnormal results appear, carriers may request follow-up labs or physician notes regarding treatment and control. Advisors use screening outcomes as opportunities to discuss heart-healthy habits and to set expectations about how lipids influence preferred versus standard offers. Understanding cholesterol screening helps advisors interpret lab panels and explain underwriting decisions tied to cardiovascular risk.