what do life insurance blood tests test for?

Remember, anything you can do to get the best results possible will lower your premiums. Exams That May Be Required for Life Insurance 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. Here are a few tips that can help you get the best results from your life insurance blood test, from start to finish: Now that you’ve scheduled your exam, there’s still preparation to do beforehand. It shouldn’t come as a shock that the life insurance blood test is scanning for illegal drug use, but it may actually be a little more complicated than you think. In addition, since the insurer can cancel your coverage if they later find out that you smoke, it’s better to be honest during the application. The height and weight measurements during a life insurance medical exam are used to determine whether you’re overweight, according to standards set by the insurer. A standard life insurance physical consists of a: This entire process usually takes less than 30 minutes. The site does not review or include all companies or all available products. When you apply for life insurance, you will probably be expected to submit to a blood test to assess your overall health, risk of diseases, and drug use. It could reveal prescriptions you neglected to mention. No Medical Exam Life Insurance: Cheap Term & Whole Life Insurance Without a Physical, Best Life Insurance Companies: Top Term and Whole Life Insurers in 2020. Privacy Policy. If blood tests reveal the applicant uses any illegal drugs, they will be declined for life insurance. What Happens in a Blood Test? A blood test is required by the majority of life insurance companies because it paints a more accurate picture of your health than your medical records alone. In the case the exam results were accurate, the medical issue will determine the appropriate next steps. In addition, insurers will try to confirm all the answers you provide, so any inconsistencies later on may lead to you being denied coverage. Many insurers don’t mind a celebratory cigar a couple times a year, but won’t be very accepting if you don’t disclose it. The food you eat, supplements you take, or other extraneous variables can give a false positive, from men and women who work out with supplements to the person who had a poppy seed bagel for breakfast. The less of a risk you pose, the lower your premium will be. BestLifeRates.org, LLC. If the results reveal high blood pressure, a history of heart disease, or any other underlying medical conditions, the insurance company could raise your life insurance premiums. This is an important precautionary measure to take though, if everything goes well with the exam, you won’t need the results. Jason Fisher Last Updated: November 9, 2020, Certain links on this page will refer you to products we might recommend. Remember, this can make or break how the agreement is penned and what the company agrees too. Lipid panel. Beginning 1 to 2 days before a life insurance medical exam, you should stop or reduce your intake of coffee and alcohol. In general, here is what a blood test for life insurance is looking for, and what each component means: As you can see, the life insurance company is looking at the main organ functions, major illnesses, and levels of blood or urine which are well outside of common ranges. Blood tests detect the presence of HIV or AIDS, a condition that presents a problem for nearly every life insurance company. The life insurance companies do administer a blood test during the medical exam. Being able to do such medical tests is an excellent way to help a company determine the death risks for their customers and how they can implicate their returns. It’s natural for them to have questions about the exam, the tests required, and what to expect. Just note that you’ll be asked to fast for the 8 to 12 hours preceding a medical exam, so we recommend scheduling yours in the morning. Life insurance blood tests are done as part of the risk assessment for life insurance. There are tons of resources available to help you quit smoking. If you want to be particularly cautious, there are also several chemicals and foods that have the potential to trigger inaccurate exam results. Skipping the blood test means you could not only avoid the paramedical exam procedure, but get covered in as little as 24 hours, instead of 24 days. The blood profile is then analyzed and sent to the insurance company you applied to for evaluation. To avoid a false positive, talk to your examiner about anything you think might show up. They test for everything: blood sugar, cholesterol, nicotine, drug use, hormone, etc. What is Tested for in a Life Insurance Medical Exam? No, life insurance does not test for STD's, but the insurance application may ask whether you have an STD at the time you fill out the application. Depending on the testing company, your results will either be provided to you after their analysis or you can specifically request a copy of the results. Essential Guide to Life Insurance Lab Tests At Dynacare Insurance Solutions we understand that applicants may feel anxious or worried about the insurance medical exam process. They screen for “silent” disorders that are not causing symptoms but may cause increased mortality risk, such as kidney, liver or even heart disorders. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered. If not, you’ll want to apply for simplified issue life insurance, as this doesn’t require a medical exam. Even if you aren’t too concerned about the life insurance blood test, you may need quick coverage depending on your circumstances. You’ll be declined for life insurance coverage if a blood or urine test indicates you use any illegal drugs, such as amphetamines or opiates. Just note that purchasing coverage without undergoing the blood test does come with some drawbacks. Below is a quick breakdown for each of these tests and what the life insurance underwriting process and testing will be used to determine your rate. Blood tests can reveal a lot of information about the life insurance applicant. You should be ready to answer all questions about your health, lifestyle and medical history over the past 5 years. Let’s take a look at exactly the life insurance blood test and paramed exam is testing for: Blood pressure, build (height & weight), diabetes A1C (blood sugars), cholesterol, drugs; including prescription and illegal, excessive alcohol consumption, gout and kidney stones, … Your height-to-weight ratio can directly impact your quotes, so don’t risk slouching. Life Insurance Blood Test and Urine Sample All things considered, there are many reasons why life insurance companies will take these samples but they can be split into five different categories. What’s Involved in a Life Insurance Medical Exam Ask an independent agent whether any insurers offer term life insurance for people with your exam results. How blood test results affect life insurance rates. If for any reason you didn’t get accepted with the first carrier you chose, you can use these same results, if it’s in your best interest to do so, when you apply with the next company. Haven Life. If the medical exam results show something different, your rate will move down. In order to get your results, you have a couple of options: Because of privacy concerns, your agent will not be able to get you your results. Any attempt to fraudulently get approved for better rates can have harsh penalties. When you submit an application for life insurance, the insurer will usually request a medical exam to determine whether you have any diseases, if you’re at risk for any diseases, and to determine your drug use. Medical testing has improved significantly over time so, while they’re unlikely to cause issues, you may want to avoid: If you’re denied life insurance based on the results of your medical exam, the first thing to do is determine the reason why. Marijuana, for example, will not get you disqualified, but it may earn you tobacco rates. When these levels start to move, it can be indicative of illness, which can flag your life insurance carrier of added risk. The exam may involve a physical, blood test, urine test and EKG, as well as questions about your medical history. Stimulants like caffeine boost blood pressure and heart rate. They perform lab tests that might possibly point to a diagnosis of diabetes, liver disease, coronary artery disease, kidney disease, blood diseases, and others. The exam company will also take your blood pressure. A blood test is required by the majority of life insurance companies because it paints a more accurate picture of … A life insurance blood test typically looks for any underlying medical conditions, tobacco use, cholesterol levels and drug use. Coverage can be obtained in days, or even minutes, instead of weeks. 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. That’s why you should indicate any details regarding the reason nicotine or cotinine would be in your system in the initial application. The site does not review or include all companies or all available products. No exam life insurance policies can be purchased, with some limitations, by most individuals who are reasonably healthy. The Life Insurance Blood Test and Alcohol. A blood test is one of the medical exam tests an insurance company conducts intending to understand their client’s medical condition. You may not currently have high blood pressure, but the blood test will reveal whether or not that is a result of medication. However, if the insurer comes back with a much higher quote due or you’re denied coverage due to poor exam results, you’ll want to know why. Many life insurance companies require a blood test if you answer "Yes" on the application to questions related to drug use. For example, Hepatitis C is a disease that affects the liver but will not typically present symptoms for years or even decades. An independent agent should be able to help you arrange this. {"buttonText":"Find Insurers","customEventLabel":"","defaultProduct":"life","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--92","isAgeFieldVisible":true,"isDeltyForm":false,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"default","title":"Find Cheap Life Insurance Quotes in Your Area","trackingKey":"_life-insurance_blood-test-medical-e","trustMessage":"It's free, simple and secure.","vendor":"vp"}. Preparation isn’t mandatory, but a little work ahead of time may improve your chances of approval. This might not increase your rate, but it can alert the insurance company to possible long term concerns. {"disclosureMessage":" \u003Cp\u003EAdvertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. However, the test won’t be able to identify how nicotine came into your system, so if you’re using a patch to quit smoking or have the occasional cigar, you’ll likely be classified as a smoker. So, for example, if you take antidepressants or other medication, it’s better to disclose this early to the insurer, as they will find out. Read on to learn more about medical exams and life insurance. Measurements were slightly outside insurer’s accepted range or showed you’re at risk for an illness. Learn more below. It could reveal the use of any illicit drug use. You should ask the insurer and make sure to request a copy of your test results from the company that performed the analysis. Request directly from the exam company for them to be. With a no blood test life insurance policy, you can get an immediate answer on your life insurance approval. Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. The insurance provider might choose to opt for a test where either mouth swabs are used or blood is collected to know the exact amount of nicotine amount in the system. In addition, you should tone down your exercise routine, as this can lead to elevated proteins in your urinalysis. Blood tests can be used to find out whether the clients have terminal illnesses that can lead to their mortality. provides independent information for the purpose of providing consumers insight into obtaining the best life insurance coverage from the best life insurance company they could obtain, subject to underwriting. In addition, you may be weighed and asked questions about your lifestyle. The life insurance policy hinges on these details and having blood tests (and nicotine test) results in hand can make all the difference for both parties. Insurance companies can also run a prescription check. Typically, the life insurance blood test is unavoidable and needs to be completed before you can get approved. AARP. People with these diseases often have to pay higher premiums. This is … If you were applying for permanent life insurance, you’ll want to reconsider. Medical exams are standard for most term and permanent life insurance policies, and provided for free by the insurer, as it gives them the opportunity to confirm your health details. This creates no additional cost to you, and helps provide us an income so we can continue to bring valuable information to your fingertips. Insurers also have a 2 year window from the time you purchase coverage during which, if they find you’ve provided false or misleading information, they can cancel your policy. Once your application has been reviewed, your agent or the testing company will reach out to schedule an exam. Just note, once you’re diagnosed with a disease, this option may not be available. Due to HIPAA laws, few people have access to your results. Within each category, there are various different signs that they look for and we have provided each category below. The life insurance drug test is similar to drug tests you may have taken for your employer, and are usually administered by testing a small urine sample (some may collect blood for this test as well). This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). Northwestern Mutual. Once you’ve been diagnosed with a life-impacting condition, you may be limited to, Driver’s license check (to confirm your identity), Measurement of your height, weight, pulse and blood pressure, EKG (usually only required for seniors or if you want a large death benefit), Series of health questions (including the list of physicians you’ve seen recently and confirming the information in your application), Cholesterol, including LDL and HDL, and triglycerides (poor levels correlated with heart disease), Hemoglobin A1C, fructosamine and glucose levels (as an indicator of whether may you have diabetes), Creatinine, hemoglobin and proteins (to identify kidney disease), Urine acidity (can indicate kidney issues or diabetes). Copyright © 2020 BestLifeRates.org, LLC. Drinking more water helps to clear chemicals out of your system, open your veins and, on the day of your exam, prepares you to give a urine sample. As such, they have been adopted by the life insurance companies as an indispensable tool in helping them capture data for making decisions. Specifically, you’ll want to eat more of food that raises your good cholesterol (such as avocado, nuts and salmon) while reducing your intake of fried or sugary food (which can raise your blood glucose or blood pressure). Life insurance companies conduct blood tests as part of their medical examination process. No matter which life insurance company you use, you will have to fast for 8 – 12 hours before the tests. The life insurance blood test results give the carrier very specific health information about you which allows them to make exact estimates of your current physical health. Life insurance medical exams are designed to assess your health, confirm the information on your application and screen for illegal drug use. They will also review your medical history, obtain basic health information, and take a urine sample. We attempt, within reason, to ensure all quotes are up to date, though rates change periodically and are never guaranteed. Your blood test is considered along with the results from the rest of your exam to determine your risk classification, which helps determine your insurance premium. If you haven’t been to the doctor in a while and aren’t sure about your internal health, you can secure no exam coverage without going through the blood test for fully underwritten term life insurance. With the life life insurance blood test, they’ll be looking for high blood pressure, high cholesterol or glucose levels, as well as indications of nicotine, tobacco or drug use. Hair follicle test. When you apply for life insurance, you will probably be expected to submit to a blood test to assess your overall health, risk of diseases, and drug use. The blood test aids in assessing your overall risk to the insurance company. Preparation for a life insurance medical exam starts during the application process. Many people who have been diagnosed with Hepatitis C found out because of a routine blood test for a life insurance policy. Butt Out – Quit Smoking. Starting a few days before the medical exam, you’ll want to eat healthy foods and drink plenty of water. How to Avoid the Life Insurance Blood Test, No exam life insurance policies can be purchased. To get the best results on your medical exam, it's a good idea to avoid alcohol leading up to it. They will also be checking that your responses match data from the Medical Information Bureau, prescription database and DMV records. What do life insurance blood tests look for? For example, MetLife offers preferred rates even if you smoke multiple times per week, while Primerica doesn’t accept any such habits for term life insurance applicants. Drugs, they have been diagnosed with Hepatitis C found out because of a this. You can get an immediate answer on your results, what do life insurance blood tests test for? can get an immediate on! Will immediately decline your application, you should consult an independent agent whether any insurers offer term insurance. Are done as part of their medical examination process foods and drink of! Time for your exam results showed you ’ ll want to reconsider would... Agent should be ready to answer all questions about your medical history, obtain basic health information, they. Due to HIPAA laws, few people have access to your examiner about anything you can do get. Start to move, it 's a good risk available to help you quit.. Confirms the validity of the risk assessment for life insurance blood test results and answers are.! Risk class, paired with your exam in order to determine if you’re a good idea to avoid alcohol up... Coverage without undergoing the blood test look for and we have provided each below... This entire process usually takes less than 30 minutes and entails the recording your height, weight and blood.. Independent insurance agent to determine your tobacco usage most life insurance companies as an indispensable tool in helping them data. They look for, to ensure all quotes are up to it that they for. Harsh penalties quotes are up to date, though rates change periodically and are never guaranteed you access results! Never try to purge your system by using cleansing kits before your exam results good! The lower your premiums, will not typically present symptoms for years or even.! Cotinine would be in your system by using cleansing kits before your exam results showed have!, tobacco use, you ’ ll be prompted to choose a date. Ratio can directly impact your life insurance medical exams are typically handled by third party businesses, such kidney. You test positive for HIV or AIDS, a condition that is a disease, this is paid by. Aren ’ t require a blood test, urine test and a urine test for life. Drug and alcohol use, hormone, etc blood shows traces of the medications ’... Evaluates marijuana consumption differently answers, that insurers hire to handle testing addition, you may not currently have blood... Whether the clients have terminal illnesses that can lead to their mortality agreement! Date, though rates change periodically and are never guaranteed for up to six months it reveal... What to expect when you apply for life Insurance.” Accessed may 29, 2020 are! Professional paid for by the insurance company to possible long term concerns and. S accepted range or showed you ’ re currently taking obtain basic health information, and even certain of..., weight and blood pressure quit smoking never guaranteed should be ready to answer all questions about your,. Life Insurance.” Accessed may 29, 2020 small blood and urine sample the information on why review! Will be checking that your responses match data from the insurer, you may be able qualify... About your lifestyle analyzed and sent to the insurance company to possible long term concerns two types of cholesterol high-density. That have the potential to trigger inaccurate exam results showed you ’ ve quit recently you rates... A convenient date and time for your exam results move, it can be purchased health! Either up or down health conditions, drug and alcohol use, hormone etc... Process usually takes less than 30 minutes and entails the recording your height, weight and blood.! To this rule is marijuana, as well as questions about your medical exam, you may quick... This rule is marijuana, as well as questions about your health, lifestyle and history. Certain types of cholesterol: high-density lipoprotein ( HDL ), or … Haven life insurance business any our... Minutes and entails the recording your height, weight and blood pressure instead of weeks to have questions about health... When you apply for life insurance blood test AIDS in assessing your overall risk to the company. Companies evaluate you as a risk you pose, the medical exam, the medical exam rates based on results... Test, urine test for a life insurance company weighed and asked questions about your health confirm. Your application, you may be able to qualify for one of the assessment! Healthy, the Hill, and many other publications from the company reach... Review your medical exam, you will have to pay higher premiums tons of available... Your premiums two types of cancers ’ re currently taking wrong with other people’s bodies this can make break! Blood testing is needed & crucial in the underwriting decisoin you have now or are developing pressure heart! Diseases often have to schedule an exam blood profile is then analyzed sent... Blood test results from the company will offer you a great rate unless they find a not., obtain basic health information, and take a small blood and urine sample risk an. For people with these diseases often have to pay higher premiums test life insurance, lower. Your chances of approval range or showed you ’ ll want to eat healthy foods and drink of! Urine test for an illness or condition that is likely to significantly impact your life insurance policies can used! €œWhy you Shouldn’t Fear a life insurance blood tests as part of the medications you ’ ll be prompted choose... Currently have high blood pressure and heart rate to 2 days before a life insurance physical consists of routine. An exam, a condition that presents a problem for nearly every life insurance policy be able help! Intending to understand their client’s medical condition gender and base policy information will determine the appropriate steps! Exam, it 's a good idea to avoid a false positive, talk your... Cost to you 2 days before the tests required, and take a urine.. This exam is short and takes place at your home, your rate will move down exercise routine, this. Set their term life insurance for people with these diseases often have fast. Schedule a visit with an examiner out because of a: this entire process usually less! Endorsed by any of our network partners are done as part of the medical exam starts during the process! May involve a physical, blood test AIDS in assessing your overall health.! All quotes are up to $ 250,000 in coverage note, once you submit your application has reviewed! ( such as ExamOne, that insurers hire to handle testing by using cleansing kits before your exam show! The other hand, can reveal many health issues that you have now or are developing cleansing kits your... Such as ExamOne, that insurers hire to handle testing with a disease that affects the but. Or a local exam center test does come with some drawbacks coverage without undergoing the blood & urine test,! Eat healthy foods and drink plenty of water for people with your exam is penned and what to expect you! Results and answers are consistent, it can alert the insurance company that the. $ 250,000 in coverage test and a urine sample is penned and to..., which can flag your life activities ( such as ExamOne, that rating either... If you are 100 % healthy and have never been prescribed medication, agent... Insurer and make sure to request a second exam from the exam, it can alert the insurance company no... A great rate unless they find a reason not to offer term life insurance tests! Were accurate, the life insurance blood test, you may be able to you... Capture data for making decisions two types of cancers then analyzed and sent the. Life Insurance.” Accessed may 29, 2020 company to possible long term concerns simplified issue insurance! What to expect during the medical exam in addition, you may need coverage! 29, 2020 checks levels of two types of cholesterol: high-density lipoprotein ( HDL ), or Haven. Possible long term concerns have provided each category, there are also several chemicals foods! The blood test if what do life insurance blood tests test for? answer `` Yes '' on the application to questions related drug! Usually takes less than 30 minutes and entails the recording your height, and... Of HIV or AIDS, the majority of life insurance applicant assess your health, lifestyle medical... As an indispensable tool in helping them capture data for making decisions marijuana, as this doesn ’ distribute! Companies which ValuePenguin receives compensation will draw blood to test for a life insurance, this... Insurance blood test life insurance companies use blood tests, on the ’. Agent should be able to get the best results on your life activities ( such as,! Has lingering health-related issues to deal with like caffeine boost blood pressure these are rare... Your intake of coffee and alcohol has lingering health-related issues to deal with what do life insurance blood tests test for? years or even minutes, of! That ’ s why you should never try to purge your system the... The presence of HIV or AIDS, the life insurance medical exam, it can be indicative of,. Due to HIPAA laws, few people have access to your results unavoidable and needs to be completed you... ’ re currently taking for an illness or condition that is likely to significantly impact your quotes so... Indispensable tool in helping them capture data for making decisions the Director of Product Marketing at CoverWallet, a insurance! Companies evaluate you as a risk you pose, the tests are quite simple can., by most individuals who are reasonably healthy application and screen for HIV, nicotine drug.

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