LDL cholesterol, often called low density lipoprotein cholesterol or bad cholesterol, is a type of blood lipid that contributes to plaque buildup in arteries and increases the risk of coronary artery disease, heart attack, and stroke. Elevated LDL levels are a major cardiovascular risk factor, especially when combined with smoking, diabetes, hypertension, or a strong family history. For life insurance underwriting, LDL cholesterol values are key components of the lipid profile reviewed in routine lab testing. Underwriters evaluate absolute LDL levels, the ratio of total cholesterol to HDL, and trends over time to assess an applicant's cardiovascular risk and determine appropriate rating classes.

In everyday underwriting, LDL cholesterol readings influence whether a client can qualify for preferred, standard, or substandard rates. Mildly elevated LDL may still be acceptable for preferred classes if other risk factors are favorable, while very high levels, especially with other comorbidities, can result in higher premiums or even postponement until treatment improves control. Advisors often see underwriting comments recommending diet, exercise, or statin therapy based on lab findings. Clients who are proactive about managing cholesterol and can show stable, improved numbers on follow up labs are more likely to secure favorable offers. Advisors can prepare health conscious clients by encouraging them to gather recent lab results and physician notes demonstrating good control. By understanding the role of LDL cholesterol in mortality risk, producers can better interpret underwriting outcomes, answer client questions, and incorporate cardiovascular health discussions into broader financial and insurance planning.