Affordable Life Insurance Protection for Your Family
A Life Insurance Blood Test is performed for the purpose of evaluating the risk to the life insurance company of offering you life insurance protection.
Many life insurance companies require a blood test if you answer "Yes" on the application to questions related to drug use.
In addition, a blood test and physical exam may be required if you are over a certain age, or requesting more than $100,000-$250,000 of life insurance coverage.
There are many possible reasons for differences in test results of a blood test for life insurance. Consult with your personal Physician for a diagnosis of any medical condition. If you have any questions or concerns about the blood test results, contact your personal Physician.
Many people ask themselves, "Do I have to take a blood test to buy life insurance?"
The simple answer is "No". There are insurers that offer life insurance without a blood test.
What's Tested for in a Blood Test for Life Insurance?
Glucose is a measure of your blood sugar level. Blood sugar levels may vary depending upon the time of your most recent meal. High levels of blood sugar may occur in people with diabetes.
Fructosamine Glycated Albumin (AGP)
Fructosamine and glycated albumin tests estimate your average blood sugar levels over a 2-3 week period prior to the blood draw and testing of your blood. Hemoglobin A1C (not performed on all applicants) is a test for estimating your average blood sugar over the preceding 4-6 weeks. Higher levels may be seen in people with diabetes.
Blood Urea Nitrogen (BUN)
Blood urea nitrogen and creatine tests are tests of kidney function. High levels of urea nitrogen and creatine may occur in people who have kidney disease, but there are other possible causes, too.
Alkaline phosphatase is an enzyme found primarily in bone and liver. Higher levels of alkaline phosphates may occur in people with certain bone or liver diseases, but higher levels may occur in adolescents and pregnant women.
Bilirubin is produced by the liver, primarily as a breakdown product of red blood cells. Higher levels of bilirubin may occur with certain benign congenital metabolic conditions, but may also be seen in blood disease or liver diseases.
Gamma Glutamyltransferase (GGT)
SGOT, SGPT, and GGT are all enzymes that are primarily produced in the liver, but may occur in blood cells, muscle tissue, and other tissues. Higher levels of these enzymes in your blood may occur in a variety of liver disorders, as well as other conditions.
Albumin and globulin are two types of proteins that circulate in the bloodstream. Total protein includes both albumin and globulin. Blood protein levels can be abnormal in a wide variety of conditions.
Top Pick – JRC Insurance Group
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If you want term life insurance but don’t want to take a physical exam or blood test – you have another option.
You may qualify for up to $2,000,000 of term life insurance with no medical exam and no blood test required, just a few medical questions.
Top Pick – Haven Life Insurance Agency
Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.
Applicants age 60-64 are eligible to apply for up to $1 million in coverage; subject to underwriting approval.
Some qualified applicants (U.S. citizens up to the age of 59) will be able to finalize coverage without the need for a medical exam. The majority of applicants are still required to take a medical exam.
Keep in mind: Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.
Highly Recommended – Globe Life Insurance
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