Life Insurance Blood Tests

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding Life Insurance Blood Tests

Life insurance companies conduct blood tests during the application process to assess the applicant’s health status. These tests are crucial in determining the risk and, consequently, the premium rates.

Life Insurance Blood Tests

Key Components Tested in Life Insurance Blood Tests

  1. Cholesterol Levels: High levels can indicate a risk of heart disease.
  2. Blood Sugar Levels: Elevated levels might suggest diabetes.
  3. Liver Function Indicators: Abnormalities could signify liver disease.
  4. Kidney Function Markers: To check for kidney health issues.
  5. HIV/AIDS: Essential for assessing life expectancy.
  6. Nicotine or Cotinine: To verify smoking status, impacting premiums.
  7. Drug Screening: Checks for the presence of illegal drugs.
  8. Protein Levels: High levels can indicate various health issues.

Life Insurance Blood Test Components

Test ComponentWhy It’s TestedPotential Impact on Insurance
Cholesterol LevelsHeart Disease RiskHigher Premiums for High Levels
Blood Sugar LevelsDiabetes IndicatorElevated Levels Increase Premiums
Liver FunctionLiver Health StatusAbnormalities Affect Eligibility
Kidney FunctionKidney Health StatusPoor Function Can Increase Premiums
HIV/AIDSLife Expectancy AssessmentPositive Test Affects Eligibility
Nicotine/CotinineSmoking Status VerificationSmokers Generally Pay More
Drug ScreeningIllegal Drug Use CheckPositive Test Can Affect Eligibility
Protein LevelsIndicator of Various Health IssuesHigh Levels May Influence Premiums
Life Insurance And Blood Tests


Life insurance blood tests are a comprehensive evaluation of an applicant’s health. They cover a range of markers, from cholesterol to drug use, impacting insurance premiums and eligibility. Understanding what these tests screen for helps applicants prepare better for the process. Contact us today for a free quote.

Need Help Getting Life Insurance Coverage?

If you have a preexisting medical condition and want to buy life insurance, you will need help from an expert. This person can help ensure you get coverage so you don’t get declined.

Warning: Applying for life insurance without a medical exam can be risky. If you get declined coverage, it could be at least two years before you are able to get any life insurance.

Impaired Risk Life Insurance
Have You Been Declined Life Insurance Coverage Before?

Frequently Asked Questions

What do life insurance blood tests test for?

Life insurance blood tests typically test for various health markers such as cholesterol levels, glucose levels, liver and kidney function, HIV/AIDS, and other potential life expectancy risk factors.

Do life insurance policies require blood tests?

Some life insurance policies may require a blood test as part of the underwriting process to assess the applicant’s health and determine eligibility and premiums. However, not all policies have this requirement.

How to get good blood test results for life insurance?

To get good blood test results for life insurance, maintain a healthy lifestyle by exercising regularly, eating a balanced diet, staying hydrated, avoiding smoking and excessive alcohol consumption, and managing any medical conditions or medications under the guidance of a healthcare professional.

Why do they test blood and urine for the life insurance medical exam?

Blood and urine tests in the life insurance medical exam provide valuable information about an applicant’s health. They help assess risk factors, detect underlying medical conditions, and determine eligibility and premiums for the life insurance policy.

What happens during a life insurance blood test?

A healthcare professional will draw a blood sample from the applicant during a life insurance blood test. The blood is then analyzed for various health markers, providing insights into the applicant’s health and potential risks.

Frequently Asked Questions

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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