The dreaded life insurance blood test. It's a big inconvenience, but to qualify for the most affordable life insurance rates, it has to be done.
During the life insurance medical exam, the nurse will take a vile of blood. You'll feel a small pinch and before you know it, it's over. This blood is used to evaluate a variety of health risks.
Many of our clients have had different concerns and questions about the life insurance blood test. Here are the most poplular ones we get:
Blood Test For Life Insurance FAQs
What are the life insurance companies looking for in my blood?
A variety of risks, including: cholesterol, triglycerides, any illegal substances, your glucose or a1c levels for diabetes, creatine (kidney), bilirubin (liver), liver enzymes, protein, nicotine etc.
Can I take my medical exam and blood test at my doctor?
No. The life insurance blood test has to be done by a nurse that's independent of your own doctor. Keep in mind, they will review the lab results done by your doctor which will be in the medical records they collect during underwriting. However, the life insurance companies require an independent examiner to perform the test.
How much blood do they take?
They take one vile of blood.
Do I have to pay for the medical exam and blood test?
No. The life insurance company pays for the medical exam.
Can the life insurance blood test be done at my home or work?
Yes. The exam can be completed either at your home, your office or the examiner's office. You choose.
What if I know I have high cholesterol or any abnormal lab results?
Make sure you reveal these to your life insurance agent. Every life insurance company looks at your health differently and we're able to reference your risk across all the top rated life insurance companies and see which life insurance company will look at your risk most favorably.
Do I get my life insurance blood test results?
Yes. Some companies will automatically send you these results in the mail and others you'll have to request them. The best thing to do is ask your agent to make sure they're mailed to you. (We do this automatically for all of our clients)
Preparing For Your Life Insurance Blood Test
You want to make sure you don't do anything that temporarily elevates your medical exam results. So here are a few tips:
- Fast for 8 hours prior to the exam. We always recommend taking the exam first thing in the morning because with sleep you get that natural fast.
- Don't eat fatty foods or drink alcohol 24 hours prior to the exam.
- Don't exercise the day of the exam. It elevates your creatine levels.
- Drink a lot of water an hour or 2 prior to the exam. Water makes your veins bigger and easier to find. It will also whelp with the urine sample.
Do I Have To Take The Life Insurance Blood Test?
No. You don't have to take a blood test for life insurance. There are no medical exam life insurance policies available.
You have to be in pretty good health to qualify these "no exam" policies and you'll be paying for the convenience in slightly increased premiums. If you're willing to pay a few dollars more per month, it's a great way to bypass the life insurance blood test.
If the blood test is something you just cannot do, then it's the only option.
Taking the medical exam and blood test for life insurance will save you money IF you prepare for the exam. We run across folks who don't take the life insurance blood test seriously and it usually ends up in increased rates.
So make sure you prepare for the exam and also make sure you're getting the best life insurance rates available. For instant life insurance quotes, click here. Or for custom quotes, please fill out the form on the right OR call us at 888-430-7668.