Why Does Life Insurance Test Blood?

  1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Typically a blood test is used to verify the information about drug use, tobacco use, and diseases. Each carriers sets its own standards for what types of things that are tested for when it comes to blood testing for a life insurance application. If you have answered all of the questions truthfully that were asked during the application process there will more than likely be no change or hold ups in policy issue as long as you have met the carriers requirements for issue.
    Answered on September 24, 2013
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  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Life insurance tests blood so that they can more accurately assess the rate you will be charged, or if you are able to qualify for the life insurance policy at all. Blood tests can tip them off to diseases that the applicant may not be aware they have, such as type 2 diabetes or liver disease. Blood tests also uncover nicotine or drug use that is not admitted on the application. By testing blood, the insurance company helps assure their own solvency, and in turn, protects all who hold policies with them.
    Answered on September 28, 2013
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