Cholesterol

Cholesterol

CARRIER	RISK CLASS	DEFINITION
American General	Preferred Plus	If ratio <=5.0, 205 if ratio <=4.5, 240
	Preferred	If ratio <=6.0, 235 if ratio <=5.5, 260
	Standard Plus	If ratio <=7.0, 255 if ratio <=6.5, 280
	Standard	If ratio <=7.0, 255 if ratio <=6.5, 280
	Preferred Tobacco	If ratio <=6.0, 235 if ratio <=5.5, 260
	Standard Tobacco	If ratio <=6.0, 235 if ratio <=5.5, 260
American National	Preferred Plus	225 and <4.5
	Preferred	250 and <5.0
	Standard Plus	275 and <5.5
	Standard	300 and <7.0
AVIVA	Premier	220 and 5.0 no treatment
AVIVA	Preferred	250 and 6.5 or 300 and 5.0 treatment ok
AXA	Preferred Elite	220 and 5.0 and HDL >35 or 240 and 4.5 and HDL >35
	Preferred	250 and 5.0 and HDL >35 or 270 and 4.5 and HDL >35
	Standard Plus	270 and 6.0 and HDL >35 or 300 and 5.0 and HDL >35
Banner	Preferred Plus	220 and 5.0 treatment ok
	Preferred	250 and 6.0 treatment ok
	Standard Plus	280 and 7.0 treatment ok
	Standard	300 and 8.0 treatment ok
Genworth	Preferred Best	Male 4.5 Female 4.0 treatment ok
	Preferred	Male 5.5 Female 5.0 treatment ok
	Select	Male 6.5 Female 6.0 treatment ok
	Standard	Male 7.5 Female 7.0 treatment ok
Guardian	Preferred Plus NT	Age 20-39 220; age 40-54 230; age 55+ 240; ratio 5.0 or less
Guardian	Preferred NT	240 with ratio of 6.0 or less; no current treatments
ING	Super Preferred	Treatment ok: age 0-70: 220 + 5.0 or 240 + 4.5; age 71+: 280 + 6.5
	Preferred	Treatment ok: age 0-70: 240 + 5.5 or 260 + 5.0; age 71+: 280 + 6.5
	Select	Treatment ok: age 0-70: 250 + 6.5 or 270 + 6.0; age 71+: 290 + 7.0
John Hancock	Super Preferred	Treatment ok: ages 18-50: 230 + 4.5; ages 51-70: 250 + 5; ages 71+: over 175 but <280 HDL must >40 (total chol up to 300 is ok if ratio is 1 less than published limit)
	Preferred	Treatment ok: ages 18-50: 250 + 5; ages 51-70: 270 + 5.5; ages 71+: over 159 but <300 HDL must >35
	Standard Plus	Treatment ok: ages 18-50: 5.5; ages 51-70: 5; ages 71+ HDL must >35
Lincoln Benefit	Preferred Elite	Total cholesterol must be <200 and (A) ratio of <4.5 or (B) LDL must be <100. Good control must be documented by minimum of 3 readings in past 2 yrs; no problems with meds, no more than 2 drugs needed for control and one must be a statin, no history of high BP and all other req for preferred elite must be met without exception
	Preferred	Ages below 70: 250+6 or 275 if <5.5; Ages 70+: 325+6.5; treatment allowed
	Standard Select	285+7: Treatment allowed
	Standard	300+9: Treatment allowed
Lincoln National	Preferred Plus	<= age 69: 240+5.0 OR 230+5.5; Age 70+ <= 275 +5.5; treatment ok
Lincoln National	Preferred	<= age 69: 265+5.5 OR 250+6.5; Age 70+ <= 299 +7.0; treatment ok
MetLife	Elite Plus	Age 54 & under: <= 200; age 55+: <=210; ratio for all <=4.5; treatment ok if maintained 12 mos.
	Preferred Plus	Age 54 & under: <=220 and ratio <=5.0; age 55+ <=240 and ratio <=5.0 or <=260 and ratio <=4.5; treatment ok
	Standard Plus	Age 54 & under: <=260 and ratio <=6.0; age 55+ <= 280 and ratio <=6.5
	Standard	Ages 0-65: 350 or less and ratio 8.0 or less; ages 66+ 350 or less and ratio 9.6 or less; treatment ok for all ages
Nationwide	Preferred Plus	No treatment; 210 or less ratio 4.5 or less; 220 or less ratio 4 or less; ages 71+ must be 160 or greater
Nationwide	Preferred	Treatment ok; 230 or less ratio 6.5 or less; 250 or less ratio 5.5 or less; 270 or less ratio 4.5 or less; ages 71+ must be 160 or greater
North American	Super Preferred	Treatment ok 220 or less ratio of 4.5 or less
	Preferred	Treatment ok 230 or less ratio of 5.5 or less
	Standard Plus	Treatment ok 270 or less ratio of 6.5 or less
Protective Life	Select Preferred	Treatment ok 220 or less ratio of 5.0 or less. If ratio 3.5 or lower 230 is acceptable
Protective Life	Preferred	Treatment ok 250 or less ratio of 6.0 or less
Prudential	Preferred Best	Treatment ok 220 or less ratio 5 or less
	Preferred	Treatment ok 250 or less ratio 6 or less
	Nonsmoker plus	Treatment ok 275 or less ratio 7 or less
Sun	Super Preferred	Ages 18-70: 230 and 4.5; Ages 71-85: 240 and 5.0; Rx ok
Sun	Preferred	Ages 18-70: 240 and 5.5; Ages 71-85: 260 and 6.0; Rx ok
TransAmerica	Preferred Plus	Treatment ok 230 or less ratio 5.0 or less; age 71+ 5.5 or less
	Preferred	Treatment ok 260 or less ratio 5.5 or less; age 71+ 6.0 or less
	Standard Plus	Treatment ok 300 or less ratio 6.2 or less; age 71+ 6.7 or less
Union Central	Preferred Plus	No treatment 225 or less and ratio of 5.0 or less
	Preferred	No treatment age 20-40 230; age 41-55 250; age 56+ 270; HDL 45MG +
	Select	No treatment age 20-40 245; age 41-55 265; age 56+ 285; ratio under 6.5
United of Omaha	Preferred	Treatment ok 275 ratio 6.0
West Coast Life	Select Preferred	Treatment ok 220-5.0 if 3.5 or less 230 is acceptable
West Coast Life	Preferred	Treatment ok 250-6.0

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