Co-Founder, Coastal Financial Partners Group, California
in recent years, a blood profile and urinalysis includes a lot of information when ordered by life insurance companies. The list is long and riddled with chemical names and acronyms: glucose, albumin, protein, cholesterol, liver enzymes, GGTP, PSA, BUN, nicotine, drugs and so on. It continues to evolve over time.
A life insurance underwriter is looking for abnormal results which, on their own may not mean much but when compared additional information collected such as medical history, readings for blood pressure, etc., it helps them assess mortality risk.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Since your doctor always orders the same thing, there is a good reason to believe that there is a great deal that a company can tell based upon your blood panel and urinalysis. What is certain is that they determine if you are smoking or using drugs. One of the things that they aren’t doing, yet, is actually doing a DNA profile. That could come in the future.
That is a great question! While they may also look for other things, as a rule they will look for these things:Your sugar levels, for diabetes; cholesterol/triglycerides for heart disease/stroke risk; drug, alcohol and tobacco use (both illegal and legal drugs); chemicals that show kidney health and liver health; proteins that show cancer risk; HIV and hepatitis. All of these things help validate the truthfulness of your answers, and assess their risk insuring you. Great question, thanks for asking it!
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A life insurance underwriter is looking for abnormal results which, on their own may not mean much but when compared additional information collected such as medical history, readings for blood pressure, etc., it helps them assess mortality risk.