Do you have to take a blood test for life insurance?
When you sign up for a life insurance policy, you’re going to be asked to take a medical exam, which includes a blood test in addition to a range of other tests. For many people, taking a blood test can be a little overwhelming, and it helps to be prepared and understand what’s going to happen.
What do they look for in a life insurance test?
Proud graduate of Brown University (Go Bears!) and a lifelong financial advisor and retirement planner. What Is the Life Insurance Blood Test? What Do They Look For? When you sign up for a life insurance policy, you’re going to be asked to take a medical exam, which includes a blood test in addition to a range of other tests.
When to fast for life insurance blood test?
In many cases, they will ask you to fast for around 12 hours before the exam. This is usually easier if you schedule your exam in the morning since you will be sleeping during most of the fasting period. There are plenty of other ways you can prepare for the exam as well.
How are life insurance policies written without a medical exam?
Today many life insurance policies are written without the applicant having to undergo a formal medical exam. This is because of the availability of medical records very easily by getting permission from the applicant to access medical records that already discloses full information.
What does a life insurance company look for in a blood test?
The life insurance blood test results give the carrier very specific health information about you which allows them to make very exact estimates of your current physical health. Without this information, it’s more of a shot in the dark for them, which carries extra risk (and extra premium).
Does life insurance require a blood test?
- HIV and AIDS
- STDs
- and triglycerides (poor levels correlated with heart disease)
- fructosamine and glucose levels (as an indicator of whether may you have diabetes)
- hemoglobin and proteins (to identify kidney disease)
- Urine acidity (can indicate kidney issues or diabetes)
What are they looking for in life insurance blood test?
Each life insurance company is going to vary when it comes to the nature of their blood test. Some are going to run a generic blood test that looks for regular details while others are more age-specific when it comes to the tests run. The tests will check for: Cholesterol. Blood Sugar. Triglycerides.
What do life insurance blood tests screen for?
Life insurance companies use your blood sample for a variety of tests. They are primarily testing for health related metrics including cholesterol, triglycerides, blood sugar, liver enzymes, illnesses, HIV and drug and tobacco use.