Mapping ldl cholesterol traits for all times insurance coverage candidates

Excessive complete ldl cholesterol doubles the danger of coronary heart illness, the main reason for dying in the US. By narrowing the arteries and lowering the move of oxygen-rich blood, excessive ldl cholesterol may result in strokes. The American Coronary heart Affiliation (AHA) experiences that nearly 2 in 5 adults (or roughly 40%) in the US have excessive ldl cholesterol (complete blood ldl cholesterol better 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 can assist deliver consciousness of coronary heart well being points to each insurers and customers.

Ldl cholesterol traits amongst life insurance coverage candidates

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

The speed of very excessive complete ldl cholesterol (better than 240 mg/dL) amongst candidates diversified 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 girls, nevertheless when evaluating feminine and male charges, feminine candidates having very excessive complete ldl cholesterol (better 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 establish unknown or undiagnosed situations in candidates. And one of the best instrument for measuring ldl cholesterol is a blood take a look at with a lipoprotein profile.

ExamOne analyzed 2023 knowledge to find out the typical price of very excessive complete ldl cholesterol (better 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 center well being of their candidates by buying historic laboratory outcomes from LabPiQture™ and monitor warmth associated drugs comparable to cholesterol-lowering statins from prescription historical past present in ScriptCheck®. The extra well being knowledge an insurer obtains on a life insurance coverage applicant the simpler they will assess their threat 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, comparable to ExamOne’s Inside Look® on-line laboratory outcomes. Serving to candidates establish threat elements they might not be conscious of can assist encourage conversations with their doctor on methods to handle their threat and enhance their well being.

Insights and consciousness for customers

Insurers can assist applicant well being consciousness by providing laboratory outcomes to the applicant as a part of the applying course of, comparable to ExamOne’s Inside Look® on-line laboratory outcomes. Serving to candidates establish threat elements they might not be conscious of can assist encourage conversations with their doctor on methods to handle their threat and enhance their well being.

ExamOne is right here to assist your underwriting laboratory and knowledge 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 data.