High-density lipoprotein (HDL) cholesterol is the "good" cholesterol that helps transport cholesterol away from arteries. Higher HDL levels are generally associated with reduced cardiovascular risk. In underwriting, HDL is considered with total cholesterol, LDL, triglycerides,ratios, tobacco use, blood pressure, and family history. Favorable HDL supports preferred classes;very low HDL can signal elevated risk even when total cholesterol appears acceptable.

Producers highlight HDL and ratios in cover letters to support preferred classes. Lifestyle Improvements and statin adherence documented over time can materially improve offers.