September, 25 2017

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What Does the Life Insurance Blood Test, Test For?

What Does the Life Insurance Blood Test, Test For?

Are you looking for information on the life insurance blood test for 2016?  Then you have come to the right place.  We’ll answer all of your questions on what the life insurance blood and urine tests looks for to eliminate any uneasiness.

Do I have to take a blood test and urine test to buy life insurance?

If you are in good health you can opt for a no-medical exam policy; however, the premiums are more expensive.   No exam policies are good options for people who are in a hurry to get life insurance or for those who are afraid of needles.  In addition, no exam policies have certain limitations such as coverage limits of around $250k to $350k. For most people who are looking for the best rate and don’t mind taking a quick 30 minute mini-physical (paid for by the insurance company), taking the paramed exam will be the cheapest option.

What Does the Life Insurance Blood Test, Test For?

Let’s take a look at exactly the life insurance blood test and paramed exam is testing for:

Blood pressure, build (height & weight), diabetes A1C (blood sugars), cholesterol, drugs; including prescription and illegal, excessive alcohol consumption, gout and kidney stones, hepatitis, Hiv, liver and kidneys, prostate, and tobacco use.

Can you explain more about alcohol detection?

The life insurance blood test evaluates your liver enzymes such as GGT, ALT, AST and CDT.  Alcohol is processed in the liver and an elevated GGT can indicate the use of excessive alcohol consumption over a long period of time.  Elevated CDT readings can detect recent excessive alcohol use.  Some experts estimate that if one consumes four or more alcohol drinks a day for two weeks it can be detected in the CDT enzymes.  If one drinks a glass of wine or two after work then they should be fine.  Side note; as an agent who had wrote thousands of applications, you can rest easy knowing it was rare this was an issue for the applicant.

How should I prepare for the paramed exam?

The life insurance paramed exam is pretty straight forward but there are a few things you can do to ensure favorable results.  Here are some tips to pass your life insurance blood test with flying colors.

-Fast. This may be the most important tip.  Abstain from all foods and drink (except water) for at least 12 hours prior to the exam.  Taking the exam first thing in the morning is ideal.

-Abstain from fatty or meat products before your exam.  Avoid cheeseburgers, steaks or any foods that could elevate your cholesterol.  A salad or fish dinner is a good option.

-Avoid alcohol before the exam.  Alcohol can elevate your liver enzyme levels.

-Avoid supplements before your exam.  Protein powders, vitamins and other supplements could also affect your liver function test results.

-Abstain from exercise before your exam.  Working out before the exam could elevate your blood pressure, protein levels or cause other faulty readings.

-Drink plenty of water in the days leading up to your exam.

-Get a good night’s rest and take the exam first thing in the morning on an empty stomach and you should be ready to pass the life insurance medical exam!

Wrap up

The life insurance blood test should not be something to worry about in 2016 as its fairly quick, convenient and free.  In addition, if for some reason your rates increase due to an adverse reading like high blood pressure or another underwriting issue, you can simply adjust the coverage and reapply for free once you correct the issue.  The important thing is to secure coverage now to protect your loved ones.  Hopefully this article on What Does the Life Insurance Blood Test, Test For will provide you with the answers you had about the life insurance exam.