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Thread: Life Insurance testing standards and Primal Diet

  1. #1
    Join Date
    Jul 2011
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    1

    Life Insurance testing standards and Primal Diet

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    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?

  2. #2
    Join Date
    Aug 2009
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    Redding, CA
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    i would suggest shopping around for another insurance company. they are being dumb if they are ignoring all of your positive health metrics in favor of a "high-normal" reading.

  3. #3
    Join Date
    Apr 2011
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    Nevada
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    Sounds like a combination of the company still using CW "normal" as the 'healthy" standard, and also trying to find a justification for a higher rate.

    Yeah, you might want to shop around a bit.
    My sorely neglected blog - http://ThatWriterBroad.com

  4. #4
    Join Date
    Mar 2011
    Location
    The Maritimes
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    3,575
    1) Swipe some blood from a sickly vegan for the cholesterol test. The veg head need not survive.
    2) Swap the samples.
    3) Since "you" have no cholesterol, you will have the lowest premium possible.

    And I'm feeling slightly aggessive right now, so I'd say you could deal with your insurance company by doing this.
    In all of the universe there is only one person with your exact charateristics. Just like there is only one person with everybody else's characteristics. Effectively, your uniqueness makes you pretty average.

  5. #5
    Join Date
    Jun 2010
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    Sydney, NSW
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    No insurance company will ignore your cholesterol, no matter how mistaken they may be. It is a cost of being healthy in a screwed up world
    Four years Primal with influences from Jaminet & Shanahan and a focus on being anti-inflammatory. Using Primal to treat CVD and prevent stents from blocking free of drugs.

    Eat creatures nose-to-tail (animal, fowl, fish, crustacea, molluscs), a large variety of vegetables (raw, cooked and fermented, including safe starches), dairy (cheese & yoghurt), occasional fruit, cocoa, turmeric & red wine

  6. #6
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    Aug 2010
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    NJ
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    I'll be honest, I really don't understand the diet/cholesterol relationship. Some people eat paleo/primal and their totals come down, others it goes up.

    In trying to clarify your situation, did your totals go up when you began eating primally? If so, what was it before? How strict are you with your eating?

    I recently had the same type of exam for my insurance carrier (I'm 40). I'd eaten 100% primaly clean for about 45 days before the test and they said that my results were in the top 1% for 40 year olds.

  7. #7
    Join Date
    Jun 2011
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    Raleigh, NC
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    Didn't they weigh you too?
    “In God we trust; all others must bring data.” W. Edwards Deming
    Blogging at http://loafingcactus.com

  8. #8
    Join Date
    Mar 2011
    Posts
    282
    Inform them about the difference between type A and type B LDL and make them run a VAP test to find out. If they refuse, shop around.

  9. #9
    Join Date
    Jul 2012
    Location
    Tokyo
    Posts
    35
    *bump*

    I'm about to have this problem too. I got 315 total cholesterol on the company health check, but I'm thinking there might be a way to temporarily reduce it by, say, eating mainly vegetables and some lean cuts of meat in the two weeks prior to the test. Any thoughts/experience? As much as it pains me I'd probably even consider eating grains for a few weeks if it could save me ~$200 a month off my premiums.

    I am limited in my options for insurance as I am working overseas and looking to join a global insurance company. From what I have seen so far they all consider "cholesterol" as a factor.

    RC

  10. #10
    Timthetaco's Avatar
    Timthetaco Guest
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    Nothing drives down LDL cholesterol faster than a diet of mainly carbohydrates low in saturated fat. Oatmeal is the darling of cholesterol-fearing housewives everywhere.

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