A Guide to Life Insurance Blood Tests (2022)

Investigating how to get life insurance with blood tests at the medical exam and underwriting process? Do you do drug tests for life insurance? In this guide, we’ll go over what you need to know to get coverage and enable you to shop for life insurance quotes online and get your insurance at the lowest cost possible.

Contact us if you think your health might prevent you from being approved for a life insurance policy. Unfortunately, we rarely can’t find a solution for most people looking for life insurance with pre-existing medical conditions.

Reading: What do life insurance companies test for in urine

medical examination and blood tests

When you apply for life insurance, the insurer will often need a medical exam to assess whether you have any medical conditions, are vulnerable to disease, and use drugs. A physical exam, blood tests, urinalysis, and an electrocardiogram (EKG) may be part of the evaluation.

the medical exam

Most term and life insurance companies provide free medical exams as part of their policy. the company offers the possibility of verifying your health information because it involves giving you a free medical exam.

Third-party firms like examone, which insurance companies hire to perform medical exams, are in charge of most of these exams. After your application has been evaluated, your insurance agent or testing company will contact you to schedule an exam.

The exams are fairly easy and can be taken at home, work, or a local testing center. just keep in mind that you’ll need to fast for 8 to 12 hours before your checkup, so plan ahead.

A standard life insurance physical consists of:

  • driver’s license verification
  • blood sample
  • urine sample
  • measuring your height, weight, pulse and blood pressure
  • ekg (if you are a senior or requesting a large amount of coverage)
  • set of health questions
  • See also: How Much Does Health Insurance Cost In 2022? – Forbes Advisor

    The entire survey will take no more than 30 minutes. the only exception is if you need to provide an EKG, in which case the exam may take an additional 15-20 minutes.

    Insurers sometimes require saliva samples or x-rays, but this is rare.

    the blood test

    Blood tests are performed as part of the life insurance underwriting.

    detect “silent” disorders that do not cause symptoms but can increase mortality risks, such as kidney or liver disorders.

    They also assess the current status of people with a known medical condition, such as diabetes.

    The basic tests that are done in blood work are listed below.

    Normal ranges vary slightly depending on the laboratory performing the test and the patient’s gender and age.

    During a life insurance medical exam, blood and urine tests look for dozens of health problems and diseases, including:

    • hiv and aids
    • sexually transmitted diseases (STDs)
    • cholesterol, including ldl and hdl, and triglycerides (low levels correlated with heart disease)
    • hemoglobin a1c, fructosamine, and glucose levels (as an indicator of whether you may have diabetes)
    • creatinine, hemoglobin, and protein (to identify kidney disease)
    • urine acidity (may indicate kidney problems or diabetes)
    • blood test for diabetes

      • Glucose is the main source of energy for living organisms. the main cause of high glucose is diabetes mellitus.
      • Hemoglobin tests are used to confirm elevated glucose (blood sugar) and fructosamine readings. when a person’s hba1c is abnormally high, their blood sugar level has been high in the past 1 to 2 months.
      • renal blood test

        • blood urea nitrogen is an end product of protein metabolism and is elevated in kidney disease or dehydration.
        • creatinine is a waste product that is released from muscle tissue and removed by the kidneys. creatinine is elevated in renal disorders or dehydration. the normal range depends on age, gender, and complexion.
        • liver blood test

          • alkaline phosphatase is an enzyme found mainly in the liver and bones. therefore, elevated levels may indicate the presence of bone disorders or diseases of the liver and bile ducts.
          • Abnormally high

          • total bilirubin levels occur in people with liver and gallbladder disease. bilirubin is mildly elevated in gilbert syndrome, whereas the syndrome does not elevate other liver tests.
          • aspartate aminotransferase is an enzyme found in the liver and in heart and skeletal muscle. elevated levels may indicate liver and muscle disorders.
          • alanine aminotransferase is an enzyme found in muscle, heart, and liver cells. elevated levels commonly occur with liver disease and may be proportional to the degree of disease.
          • gamma glutamyl transpeptidase is a liver enzyme. it is released as a result of damaged cell walls in people with various liver diseases. is also sensitive to drugs and medications, for example, dilantin and alcohol.
          • Serum

          • total protein includes two major components: albumin and globulin. its measurement assesses the body’s ability to maintain its chemical balance.
          • albumin is the major part of total serum protein. therefore, decreased serum albumin may indicate many disorders, including advanced liver disease and malnutrition.
          • globulin is an important component of serum proteins. It has many functions, including the maintenance of the immune system. Abnormal globulin levels, both high and low, can indicate infections, allergic reactions, immune disorders, and other diseases.
          • blood lipid analysis

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