Not all policies need a blood test for life insurance. There are a number of affordable No Exam life insurance policies for those who do not want to take a blood test.
That being said, the blood test helps the life insurance underwriters better see what health risks might be present. These include liver disease, diabetes, and high cholesterol, among others. The blood test also helps verify if the applicant has used tobacco or illegal drugs. When risk is calculated accurately, rates are assessed more fairly, and the security of your life insurance is strengthened.
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That being said, the blood test helps the life insurance underwriters better see what health risks might be present. These include liver disease, diabetes, and high cholesterol, among others. The blood test also helps verify if the applicant has used tobacco or illegal drugs. When risk is calculated accurately, rates are assessed more fairly, and the security of your life insurance is strengthened.