1. A method for calculating risk associated with low cholesterol, the method comprising: providing a computer processor; creating, using the computer processor, a table of correspondence between total cholesterol levels ranging at least 124 to 95 and point values associated with the total cholesterol levels, wherein best point values are assigned to a total cholesterol level being higher than about 124 and worst point values are assigned to the total cholesterol level being lower than about 95; assigning, using the table, a corresponding point value to an applicant's total cholesterol level; assigning a point value to each of a plurality of other parameters associated with the applicant; calculating, using the computer processor, a total point value by summing the corresponding point value for the applicant's total cholesterol level and the point value for each of the plurality of other parameters associated with the applicant; and determining, using the computer processor, a risk category associated with low cholesterol using the total point value wherein the assigned point value for the total cholesterol level, which, when added to the total point value, results in lowering the risk category when the total cholesterol level is relatively high and raising the risk category when the total cholesterol level is relatively low.