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.
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
- 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)
- 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.
- 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.
- 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.
- 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.
- 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.
- total cholesterol is a risk factor for coronary artery disease.
- high-density lipoprotein (hdl), if high, is associated with protection against coronary artery disease. The amount of HDL and the ratio of HDL to total cholesterol is important in determining the risk of coronary artery disease. a markedly elevated hdl may indicate heavy alcohol consumption.
- low-density lipoprotein (ldl), if high, is associated with an increased risk of coronary artery disease.
- The total cholesterol/hdl ratio is a predictor of coronary artery disease. a ratio of 4.5 or less is associated with a lower risk of heart disease.
- triglycerides are fats that provide an important reserve of energy for the body. increases in triglycerides and other fats (lipids) can increase the risk of coronary artery disease. Ideally, triglycerides should be measured after an overnight fast.
- LDL/HDL ratio is calculated using measurements of total cholesterol, HDL, and triglycerides. the lower the ldl/hdl ratio, the lower the risk of coronary problems.
- the hiv test tells whether a person is positive or negative for antibodies to the human immunodeficiency virus.
- The blood alcohol test measures the amount of alcohol (ethanol) in the body at any given time.
- nt – probnp brain natriuretic peptide (bnp) is a cardiac hormone. Hormone elevations, and in some cases, low levels, have prognostic value for cardiovascular events.
- carcinoembryonic antigen (cea) is a glycoprotein found in tissues of the gastrointestinal tract, pancreas, lung, kidney, bladder, prostate, breast, ovary, and thyroid. elevations may suggest cancer, smoking, inflammation, or benign tumors.
- poppy seeds: false positives for opiates have been reported.
- vitamin b12 or riboflavin supplements may produce a false positive for marijuana.
- quinine in tonic water can generate false positives for cocaine.
- Ibuprofen: It is possible to get a false positive for cannabis as a result of this medication.
- sleeping drugs: barbiturate tests can be fooled by sleeping pills.
- Cold medications and decongestants can produce false positives for amphetamines.
- high-protein bars: they can be confused with marijuana.
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:
blood test for diabetes
renal blood test
liver blood test
blood lipid analysis
other blood tests for life insurance
drugs, nicotine and marijuana
If a blood or urine test reveals that you are using illicit drugs, such as amphetamines or opiates, you will be denied life insurance. the only exception to this rule is marijuana, which is treated differently by each insurer. therefore, if you use marijuana on a daily basis, you should talk to an independent insurance agent.
Urinalysis checks for nicotine and cotinine, which is also done during a life insurance medical exam to determine your tobacco use. the test can tell if you are a regular smoker or if you have recently quit.
how to prepare for a life insurance blood and urine test
You should start preparing for your medical exam a few days before it begins. you’ll want to eat healthy meals and drink plenty of water in the week leading up to your appointment.
You’ll also want to eat more cholesterol-lowering foods (such as avocado, nuts, and salmon) while limiting your intake of fried or sugary foods (which can raise blood glucose and blood pressure).
what not to do
You should stop or cut down on your coffee and alcohol intake one to two days before a life insurance medical exam. You should also reduce the intensity of your exercise regimen, as high levels of protein are excreted in the urine when you exercise.
avoid these foods
what to do if you are denied life insurance coverage
If you are denied life insurance based on the results of your medical evaluation, the first thing you should do is find out why. be sure to ask your insurer and request a copy of your test results from the company that conducted the test. If something goes wrong on your initial exam, request a second one from the insurer.
need help getting life insurance coverage?
If you have a pre-existing medical condition and want to buy life insurance, you’ll need expert help. this person can help make sure you get coverage so you don’t get turned down.
Warning: Applying for life insurance without a medical exam can be risky. If you are denied coverage, it could be at least two years before you can get life insurance.