Life Insurance Blood Test FAQs

When you’re applying for life insurance, it can be a scary process. A lot of applicants are worried that they will do something incorrectly or that there will be some hidden pre-existing condition that pops up. One of the parts of the application process that we get the most questions about is the life insurance blood test.

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

Blood Test For Life Insurance

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 carriers to find the one who works with your condition best.

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:

  • Schedule the exam for early in the morning so your fast doesn’t extend too far into the day.
  • 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. No medical exam is a great way to get coverage for anyone that is looking to avoid the blood exam, for whatever reason. There are several advantages and disadvantages about these no medical exams that you should be aware of when you’re looking to get coverage.

The biggest advantage is that you can get life insurance, regardless of your health without taking the blood test. It’s important that everyone has the insurance coverage that they deserve, and no medical exams are a great way to do that.

Although, there are some significant disadvantages that you should take note of which could hinder the effectiveness of your life insurance coverage. The most significant pitfall is that these plans are going to be more expensive than a traditional life insurance plan that requires a blood test. The purpose of the blood test and the medical exam is to give the insurance company an idea of your overall health and calculate how much of a risk you are to insure. Without the medical exam and blood test, the insurance company is taking a much greater risk, which is going to translate into much higher premiums.

Another disadvantage is that there is going to be a limit on how much coverage you can buy through a no exam plan. Most insurance companies are only going to allow you to buy around $250,000 of coverage. For most applicants, this isn’t going to be enough life insurance protection. If you need more life insurance than they allow, you’ll have to purchase two policies or apply for a plan that requires a medical exam.

It’s important that you understand all of the possible life insurance options. If anything were to happen to you, it’s important that your loved ones have the life insurance protection that they need.

Bottom Line

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 custom quotes, please fill out the quote box OR call us at 888-430-7668.

It’s our mission to connect you with the perfect life insurance policy at an affordable price.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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