Does Life Insurance Require A Blood Test?

Whether or not the life insurance company will require you to take a blood test will depend on the amount of life insurance you apply for and your age.

The older you are when you apply for life insurance, the smaller the amount of life insurance applied for that triggers the requirement for a blood test.

Along with a blood draw, a urine specimen may be a part of the underwriting requirement for your life insurance policy.

The life insurance company pays for any health exam and testing of your blood and/or urine.

Usually, a life insurance blood test will look for any health problems you may have, including diabetes, high cholesterol, high protein levels, STD's, HIV/AIDS, as well as any legal or illegal drugs in your system including cocaine and methamphetamine. The test also checks for tobacco use including marijuana.

There are some life insurance companies that offer no medical exam life insurance plans without any blood tests required. Learn more about life insurance no blood tests and find out today if you qualify to buy life insurance.