Life Insurance testing standards and Primal Diet
I am a male 54 years old in the process of trying to re apply for term life insurance. I currently have a term policy that I've had for just shy of ten years and I will need to get a new one by next March. In the process of applying I am typically given an at home testing consisting of EKG, blood pressure, pulse, urine, and drawn blood.
I am in pretty good shape and mostly have been my entire life as I enjoy physical activities.
I started Primal eating last August 2010.
In applying for insurance your score rating by the numbers from tests determines the amount of the premium. For example, I was told that I should be considered in great physical shape and the premium would be X. I got my test numbers back and all of my readings were great except cholesterol. The total was 341 with my good HDL reading of 105. The ratio number still was in the normal range. All my other vitals were what looked as really good, blood pressure 102/60, pulse 55 and I am usually very nervous for these things.
The insurance company came back and said that i am a higher risk because of my cholesterol reading despite the rest of the information and my premium rating more than doubled!!
I am curious if anybody else has had this problem and if there is anything you can do about it?