Since Life Insurance Company's are in the business of paying a benefit upon your death, the blood tests look at everything that affects your mortality. In other words, how long do they expect you to live.
The blood tests check everything from your cholesterol, the good and bad ratios, to liver enzymes. They look for nicotine to other drugs in the system This check is one of the most though available.
Life insurance companies use blood tests to screen for HIV, nicotine, and illegal drug use. They perform lab tests that might possibly point to a diagnosis of diabetes, liver disease, coronary artery disease, kidney disease, blood diseases, and others.
If abnormal lab results are found, they might ask you to get checked by a physician before proceeding with your application. If the results are just slightly abnormal, or not pointing to a serious health condition, they may just go ahead and approve the policy, but at a higher rate.
Licensed Life Agent, Life and Finance/ 50 States, New York
Lab test ars done to detect any illness that may consider qualifications for tbs policy. Tabacco use, hepatitis, or any other disease to consider underwriting. It is a benefit for you may not know you have these illnesses when you have the physical. Many question on the medical form of the application will ask specific medical questions in order to know more about the health of applicant so that the underwriting decision may be made for rates and classification.
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The blood tests check everything from your cholesterol, the good and bad ratios, to liver enzymes. They look for nicotine to other drugs in the system This check is one of the most though available.
If abnormal lab results are found, they might ask you to get checked by a physician before proceeding with your application. If the results are just slightly abnormal, or not pointing to a serious health condition, they may just go ahead and approve the policy, but at a higher rate.