When it comes to applying for life insurance, one of the common requirements is a health examination. Part of the examination may include a blood test for life insurance qualification as well. A blood, urine or hair test has been a common part of qualifying for a life insurance policy since they became more practical to conduct decades ago.
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This is because most exams are held in the home or office and not at a clinic or hospital. A typical life insurance medical test is pretty basic with a qualified nurse or paramedic performing standard tests such as taking your blood pressure, listening to your heart, measuring your height, getting your weight and then drawing blood for the blood test.
What Do They Check with Blood Test?
A life insurance blood test may seem a bit extreme to some considering that most people associate blood testing with illegal substances, but the truth is that a blood may reveal far more about your health than you might think.
- Heart Disease
- Cholesterol Level: HDL and LDL levels and ratio
- Triglycerides Level: Heart Disease
- Diuretic: Indicates treatment for high blood pressure
- Condition of the Liver
- Protein Level
- Albumin and Bilirubin: Gall Bladder or Liver Disease
- Globulin: Immune system deficiencies
- Pancreas: Diabetes
- Nicotine: Indicating how much you smoke, if at all.
All of these indicators will show up in a routine blood test, so you will have to be aware of them and the impact that they have on your health. The insurance company will take all of the information into account which generally takes several weeks for the tests to be fully resolved.
Remember that having one or more of these indicators does not mean that you are disqualified from getting the policy or that the rates will go up. There are other factors involved such as your age and gender which plays a strong role in the rates that you will receive.
Keeping this in mind, there are a few tips that you can follow which will at least help in maximizing your results.
Life Insurance Blood Test Tips:
Do not smoke or drink alcohol before the test: If you want to do as well as possible on the test, then do not smoke for at least two to three weeks before the test or drink alcohol within a week of the test. If you do either or both of them, it will definitely cause your test results to come back in worse shape.
Drink plenty of water: This will help flush out your system, although it will not remove nicotine or alcohol faster from your body, it will get rid of some of the toxins which can help in producing the best results.
Be honest: It is better if you tell the insurance company that truth about your state of health in terms of issues that you know about before they find out with the blood test. If you smoke, let them know and how many packs you smoke a week. The same goes for any other condition that you would have prior knowledge. Otherwise, you run a higher risk of being rejected for coverage.
A blood test for life insurance is a common part of the medical exam, so you will need to prepare for it when trying to get coverage.