1

votes

How to lower Total Cholesterol for life insurance blood draw?

Answered on September 12, 2014
Created July 28, 2011 at 9:06 PM

Is there anything I can do in the short term (2 weeks or 48 hours) prior to a blood draw to get my total cholesterol down? My latest results came back at 274 TC, which I'm sure will be high for an life insurer.

E7a462d6e99fec7e8f0ddda11b34a770

(1638)

on July 29, 2011
at 01:34 PM

Unfortunately, no. They have a number and they stick to it come hell or high water.

531db50c958cf4d5605ee0c5ae8a57be

(8878)

on July 29, 2011
at 11:55 AM

Timed release B-100 will do the trick. But not in 48 hours. I'd say 2 months more like it, for significant results. Also, large quantities of cinnamon (bark, not extract).

Ed71ab1c75c6a9bd217a599db0a3e117

(25472)

on July 29, 2011
at 11:16 AM

Me too.........

Af1d286f0fd5c3949f59b4edf4d892f5

(18472)

on July 29, 2011
at 02:29 AM

lol. Quilt - your comment above makes way more sense than your answer. Everybody should have life insurance, regardless of health. The "no exam needed" is exactly what I was implying. I have life insurance, with no exam.

Ed71ab1c75c6a9bd217a599db0a3e117

(25472)

on July 29, 2011
at 12:40 AM

I thought it was helpful. If youre eating healthy who needs it. Just buy a term policy. No exam needed.

5ccb98f6ae42ce87e206cf3f6a86039f

(11581)

on July 28, 2011
at 11:52 PM

Good point. I don't do niacin anymore - changed to a more reasonable doctor.

Bd15c9052bab9f72c9ecf416f7d85da0

on July 28, 2011
at 11:30 PM

That is actually quite unhelpful with regard to the question asked, Quilt.

3899bf80f345c760036a7fcc490fd727

(210)

on July 28, 2011
at 10:56 PM

Take niacin at bedtime, and you may sleep through any possible flush.

D3ff004d4a0c42b67cc2c49a5ee9c0f3

(5801)

on July 28, 2011
at 10:18 PM

Mari, good point, I forgot about the coq10.

Cab7e4ef73c5d7d7a77e1c3d7f5773a1

(7304)

on July 28, 2011
at 09:55 PM

If you do end up taking the red yeast make sure you get some coq10 as well.

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7 Answers

4
Af1d286f0fd5c3949f59b4edf4d892f5

(18472)

on July 28, 2011
at 09:48 PM

This sounds crazy. Is it possible to just go with a different company? I think life is more important than life insurance.

2
Bd15c9052bab9f72c9ecf416f7d85da0

on July 28, 2011
at 11:30 PM

The day of the test, be fasted for 20 or more hours. Hell, go vegan for the next two weeks and keep fat intake below 5% of calories.

I dropped 80 TC points in three weeks during the intial time of my vegan phase.

2
D3ff004d4a0c42b67cc2c49a5ee9c0f3

(5801)

on July 28, 2011
at 09:42 PM

If I was concerned about the rates, I'd start taking niacin, vitamin c, and a red rice yeast with citrinin removed. I am not sure if any of that would work in 2 weeks, but it might be worth a shot.

Here is a comparison for you to see if it is worth the effort/risks:

I just put my stats into my insurance agent's instant quote thing and for a 45 year old non-smoker with cholesterol below 220, the price was $615 per year for $500,000. With cholesterol at 280 it said $840. Both assumed all other health markers were good.

D3ff004d4a0c42b67cc2c49a5ee9c0f3

(5801)

on July 28, 2011
at 10:18 PM

Mari, good point, I forgot about the coq10.

Cab7e4ef73c5d7d7a77e1c3d7f5773a1

(7304)

on July 28, 2011
at 09:55 PM

If you do end up taking the red yeast make sure you get some coq10 as well.

2
5ccb98f6ae42ce87e206cf3f6a86039f

(11581)

on July 28, 2011
at 09:15 PM

Niacin supplementation for the fastest lowering as far as I know but you need to build up the dose slowly to avoid uncomfortable amounts of flushing. (very itchy and red skin) http://www.livestrong.com/article/250135-niacin-dosage-for-high-cholesterol/

I dropped my cholesterol fast this way to avoid a doctor who was insistent on putting me on statins. I don't know if it's possible in two weeks though.

5ccb98f6ae42ce87e206cf3f6a86039f

(11581)

on July 28, 2011
at 11:52 PM

Good point. I don't do niacin anymore - changed to a more reasonable doctor.

3899bf80f345c760036a7fcc490fd727

(210)

on July 28, 2011
at 10:56 PM

Take niacin at bedtime, and you may sleep through any possible flush.

531db50c958cf4d5605ee0c5ae8a57be

(8878)

on July 29, 2011
at 11:55 AM

Timed release B-100 will do the trick. But not in 48 hours. I'd say 2 months more like it, for significant results. Also, large quantities of cinnamon (bark, not extract).

0
E1ddd515befc496b91d3e19140ce5678

on July 06, 2013
at 02:42 PM

Days...probably not. Weeks...possible.

Increase your water and salt intake.

High cholesterol is caused by acidic blood that damages the inside of the artery walls This damage can peel and cause an embolism in the brain or other organ. To protect this damage from peeling, the body produces the so-called "bad" cholesterol to cover and protect the damaged areas until they can be repaired.

(Note: make sure you first understand results so you know what to work on. Check this site http://loweringcholesterolguide.com/understanding-test-results/ )

The acidic blood is caused by unintentional dehydration. Dehydration is caused by drinking too many soft drinks and other water alternatives. The water functions on water, not soft drinks.

0
B96486cc39cf24fdf259424f833a5d5b

(493)

on July 28, 2011
at 09:43 PM

If you have a lipid profile to show them that it's high because of good HDL numbers, wouldn't that be enough to make it alright that it's 274??

E7a462d6e99fec7e8f0ddda11b34a770

(1638)

on July 29, 2011
at 01:34 PM

Unfortunately, no. They have a number and they stick to it come hell or high water.

-1
Ed71ab1c75c6a9bd217a599db0a3e117

(25472)

on July 28, 2011
at 11:08 PM

The higher your cholesterol is the less you need life insurance. Framingham showed that.

Ed71ab1c75c6a9bd217a599db0a3e117

(25472)

on July 29, 2011
at 11:16 AM

Me too.........

Bd15c9052bab9f72c9ecf416f7d85da0

on July 28, 2011
at 11:30 PM

That is actually quite unhelpful with regard to the question asked, Quilt.

Af1d286f0fd5c3949f59b4edf4d892f5

(18472)

on July 29, 2011
at 02:29 AM

lol. Quilt - your comment above makes way more sense than your answer. Everybody should have life insurance, regardless of health. The "no exam needed" is exactly what I was implying. I have life insurance, with no exam.

Ed71ab1c75c6a9bd217a599db0a3e117

(25472)

on July 29, 2011
at 12:40 AM

I thought it was helpful. If youre eating healthy who needs it. Just buy a term policy. No exam needed.

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