Why a Life Insurance Blood Test is Required (+ 9 Other Important Facts)

What are companies looking for?

We did a quick Google search to see what question was asked the most about the life insurance blood test. The #1 question people are searching online was: life insurance blood test what are they looking for?”

Life insurance companies are looking for any health related risks that can be identified in your blood. There are dozens of conditions and factors that are analyzed. These are the most common factors:

  • Heart & Arteries: Cholesterol (LDL and HDL, and triglycerides) to see if there are any issues with your cardiovascular system or heart disease.
  • Pancreas: Hemoglobin A1C and Fructosamine which can indicate if you have diabetes.
  • Liver: Alkaline Phosphatase and other enzymes that can identify if there is possible liver disease.
  • Beta adrenergic blockers: These enter the blood if the you use certain types of medicine to treat heart defects, arrhythmia, or high blood pressure.
  • HIV & AIDS
  • STDs

Here are some additional frequently asked questions about what companies are looking for with the blood test:

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