Hemoglobin is the oxygen-carrying protein within red blood cells. Levels that are too low suggest anemia; levels that are too high suggest polycythemia or other conditions. In underwriting,hemoglobin is interpreted with hematocrit, MCV, iron studies, renal function, and history. Stable,normal values support favorable classes; deviations require context and may warrant follow-up.

Underwriters request lab trends and workups for anemia or polycythemia. Advisors time applications after stabilization and document treatment to secure better classes.