There is no link of low cholesterol with health risks, none of the websites linked have any real science to back them up. "The cholesterol myth" is a construct dreamed up by low-carbers, dairy industry, and meat industry to justify their bad habits, and the detrimental effects of their diets. What better way to explain the increase in cholesterol than to claim it doesn't matter.
The reason that the insurance company has an issue with his cholesterol is that there are certain cancers, and other tumors, that will cause a sudden drop in blood cholesterol.
I would have his doctor write a note to the insurance company. They are obviously misinformed, especially since 103 is still within the "normal" range.
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