Read on to learn more about medical exams and life insurance. A blood test is required by the majority of life insurance companies because it paints a more accurate picture of … Learn more below. The blood profile is then analyzed and sent to the insurance company you applied to for evaluation. There are tons of resources available to help you quit smoking. Depending on your results, you may be able to qualify for one of an insurers’ best underwriting rate classes. If the medical exam results show something different, your rate will move down. Marijuana, for example, will not get you disqualified, but it may earn you tobacco rates. It is the … BestLifeRates.org, LLC. Life insurance blood tests are done as part of the risk assessment for life insurance. To get the best results on your medical exam, it's a good idea to avoid alcohol leading up to it. You may not currently have high blood pressure, but the blood test will reveal whether or not that is a result of medication. In order to get your results, you have a couple of options: Because of privacy concerns, your agent will not be able to get you your results. 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. The only exception is if you’re asked for an EKG, in which case you should expect the exam to take an additional 15 to 20 minutes. No matter which life insurance company you use, you will have to fast for 8 – 12 hours before the tests. Maxime has contributed insurance insights and analysis to Forbes, USA Today, The Hill, and many other publications. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The company won’t send your entire test results, but they will share the piece of the blood profile which was a cause for concern. The blood test aids in assessing your overall risk to the insurance company. See why life insurance blood testing is needed & crucial in the underwriting decisoin. Some life insurance providers do routine blood tests to check for certain issues that may affect your overall health and cause your premiums to go up. Blood tests can be used to find out whether the clients have terminal illnesses that can lead to their mortality. To avoid a false positive, talk to your examiner about anything you think might show up. Remember, this can make or break how the agreement is penned and what the company agrees too. Whether you swoon at the thought of drawing blood or don’t want to deal with the inconvenience of undergoing a medical exam, there are alternatives. Measurements were slightly outside insurer’s accepted range or showed you’re at risk for an illness. The life insurance medical exam also screens for nicotine and cotinine in the urinalysis in order to determine your tobacco usage. No exam life insurance policies can be purchased, with some limitations, by most individuals who are reasonably healthy. 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. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Coverage can be obtained in days, or even minutes, instead of weeks. Being able to do such medical tests is an excellent way to help a company determine the death risks for their customers and how they can implicate their returns. Urine tests and blood tests, a medical history interview, and prescription drug checks all play a role in the life insurance medical exam. Jason Fisher is the founder and CEO of BestLifeRates.org, LLC. Medical exams are standard for most term and permanent life insurance policies, and provided for free by the insurer, as it gives them the opportunity to confirm your health details. Elevated figures for either of these tests could indicate you’re at a higher risk for a heart attack or other health issue which the insurer wants to avoid. 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. What Happens in a Blood Test? AARP. LifeInsurance.org. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). Typically, this is paid for by the insurance company at no cost to you. They’re testing your overall health to determine if you’re a good risk. You should ask the insurer and make sure to request a copy of your test results from the company that performed the analysis. Results indicated you have (or may have) a medical condition that has moderate to low impact on your life activities (such as pre-diabetes). A blood test is one of the medical exam tests an insurance company conducts intending to understand their client’s medical condition. What do life insurance blood tests look for? When you sign up for a life insurance policy, you’re going to be asked to take a medical exam, which includes a blood test in addition to a range of other tests. When these levels start to move, it can be indicative of illness, which can flag your life insurance carrier of added risk. 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. In addition, you should tone down your exercise routine, as this can lead to elevated proteins in your urinalysis. The exam results are good for up to six months. Any attempt to fraudulently get approved for better rates can have harsh penalties. Copyright © 2020 BestLifeRates.org, LLC. 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The food you eat, supplements you take, or other extraneous variables can give a false positive, from men and women who work out with supplements to the person who had a poppy seed bagel for breakfast. For more information please see our Advertiser Disclosure. However, if you are rated down for any reason, you can request information on why. If you haven’t been to the doctor in a while and aren’t sure about your internal health, you can secure no exam coverage without going through the blood test for fully underwritten term life insurance. The site does not review or include all companies or all available products. Based on your answers, that rating moves either up or down. Preparation for a life insurance medical exam starts during the application process. Your body is constantly fighting to keep you healthy by fending off infection, filtering out contaminants, and making sure you are running at optimal levels. The life insurance policy hinges on these details and having blood tests (and nicotine test) results in hand can make all the difference for both parties. Even if you feel you are 100% healthy and have never been prescribed medication, your blood analysis could reveal an un-diagnosed condition. Blood tests, on the other hand, can reveal many health issues that you have now or are developing. How Does the Life Insurance Blood Test Work? They will also take a small blood and urine sample. Previously she was the Director of Product Marketing at CoverWallet, a commercial insurance startup, and helped launch NerdWallet's personal insurance business. Ask an independent agent whether any insurers offer term life insurance for people with your exam results. 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. 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. Hair follicle test. Your height-to-weight ratio can directly impact your quotes, so don’t risk slouching. For example, if your life insurance exam results show high blood pressure but your annual physical results have always been well inside the normal range, something may have just been off that day. They test for everything: blood sugar, cholesterol, nicotine, drug use, hormone, etc. If you want to be particularly cautious, there are also several chemicals and foods that have the potential to trigger inaccurate exam results. Medical exams are standard for most term and permanent life insurance policies, and provided for free by the insurer, as it gives them the opportunity to confirm your health details. However, the test won’t be able to identify how nicotine came into your system, so if you’re using a patch to quit smoking or have the occasional cigar, you’ll likely be classified as a smoker. Life Insurance Medical Exams and Blood Tests. Life insurance medical exams are typically handled by third party businesses, such as ExamOne, that insurers hire to handle testing. 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. No, life insurance does not test for STD's, but the insurance application may ask whether you have an STD at the time you fill out the application. Certain drugs which have changing regulations may not necessarily have an impact on your rates, but you should still tell your agent and examiner. For example, Hepatitis C is a disease that affects the liver but will not typically present symptoms for years or even decades. 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