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. This is an important precautionary measure to take though, if everything goes well with the exam, you won’t need the results. Any attempt to fraudulently get approved for better rates can have harsh penalties. To avoid a false positive, talk to your examiner about anything you think might show up. If not, you’ll want to apply for simplified issue life insurance, as this doesn’t require a medical exam. The exam takes about 30 minutes and entails the recording your height, weight and blood pressure. 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. 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. However, if you are rated down for any reason, you can request information on why. 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. Copyright © 2020 BestLifeRates.org, LLC. 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. Certain drugs which have changing regulations may not necessarily have an impact on your rates, but you should still tell your agent and examiner. This exam is short and takes place at a time and place of your choosing. It could reveal prescriptions you neglected to mention. Starting a few days before the medical exam, you’ll want to eat healthy foods and drink plenty of water. The Life Insurance Blood Test and Alcohol. Depending on the insurer, you may be able to get up to $250,000 in coverage. With the life life insurance blood test, theyâll be looking for high blood pressure, high cholesterol or glucose levels, as well as indications of nicotine, tobacco or drug use. 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). As such, they have been adopted by the life insurance companies as an indispensable tool in helping them capture data for making decisions. In the case that something looks wrong, request a second exam from the insurer. This test checks levels of two types of cholesterol: high-density lipoprotein (HDL), or ⦠Read on to learn more about medical exams and life insurance. Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. 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. For more information please see our Advertiser Disclosure. Privacy Policy. They will also take a small blood and urine sample. Additionally, the blood test has the following uses: When you start your application, you’re given the benefit of the doubt and start at the best rate. A life insurance blood test typically looks for any underlying medical conditions, tobacco use, cholesterol levels and drug use. They're looking for conditions that may indicate heart disease, diabetes, and even certain types of cancers. Life insurance companies use blood tests to screen for HIV, nicotine, and illegal drug use. Beginning 1 to 2 days before a life insurance medical exam, you should stop or reduce your intake of coffee and alcohol. Exams That May Be Required for Life Insurance What Does The Life Insurance Blood Test Look For? {"disclosureMessage":" \u003Cp\u003EAdvertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This creates no additional cost to you, and helps provide us an income so we can continue to bring valuable information to your fingertips. 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. Life insurance companies conduct blood tests as part of their medical examination process. These tests are rare, as they only test ⦠âWhy You Shouldnât Fear a Life Insurance Exam Blood Test.â Accessed May 29, 2020. Haven Life. 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. Jason Fisher Last Updated: November 9, 2020, Certain links on this page will refer you to products we might recommend. Blood tests detect the presence of HIV or AIDS, a condition that presents a problem for nearly every life insurance company. The exam may involve a physical, blood test, urine test and EKG, as well as questions about your medical history. This is why it’s important to answer all questions from the insurer and testing company honestly, even if they make you uncomfortable, or you can be denied coverage. Blood tests, on the other hand, can reveal many health issues that you have now or are developing. You don’t have to schedule a visit with an examiner. For more information on how we're paid, click our link below.Full Disclosure. 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. The test isn’t binary and can indicate whether you’re a regular smoker or if you’ve quit recently. To get an insurance quote over the phone, call: (855) 760-0699 | Agents available 24 hours a day, 7 days a week! For example, Hepatitis C is a disease that affects the liver but will not typically present symptoms for years or even decades. Life insurance blood tests are done as part of the risk assessment for life insurance. The major tests used for determining any life insurance with preexisting conditions and drug use are a blood test and a urine test. The exam may involve a physical, blood test, urine test and EKG, as well as questions about your medical history. In addition, insurers will try to confirm all the answers you provide, so any inconsistencies later on may lead to you being denied coverage. What Happens in a Blood Test? What do life insurance blood tests look for? It confirms the validity of the answers on your application. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The life insurance companies do administer a blood test during the medical exam. Maxime has contributed insurance insights and analysis to Forbes, USA Today, The Hill, and many other publications. 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. 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. {"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"}. That’s why you should indicate any details regarding the reason nicotine or cotinine would be in your system in the initial application. This will make your initial quote more accurate, allowing you to decide if the company’s premiums are too high and switch to another insurer before going through a multi-week underwriting process. 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. Blood tests can reveal a lot of information about the life insurance applicant. Life Insurance Blood Test For many people, the thought of participating in a blood test for life insurance sounds as fun as getting stuck in an elevator. 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. You should be ready to answer all questions about your health, lifestyle and medical history over the past 5 years. At this point, there is little for you to do, but there is plenty going on behind the scenes of your pending application. Marijuana, for example, will not get you disqualified, but it may earn you tobacco rates. Preparation isnât mandatory, but a little work ahead of time may improve your chances of approval. There are tons of resources available to help you quit smoking. The site does not review or include all companies or all available products. Even if your numbers are slightly high or low, you shouldn’t necessarily worry as the cumulative of each category may be more indicative than the individual measurement. When you sign up for a life insurance policy, youâre going to be asked to take a medical exam, which includes a blood test in addition to a range of other tests. If you want to be particularly cautious, there are also several chemicals and foods that have the potential to trigger inaccurate exam results. Insurers set their term life insurance rates based on the results of the medical exam. Preparation for a life insurance medical exam starts during the application process. 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