Why Does Life Insurance Take Blood?

If you are interesting in purchasing life insurance you may have heard that insurance companies take a sample of your blood for testing when you take the medical exam to be considered for life insurance.

This is a common practice among life insurers. They have your blood tested to determine f you are healthy, and to help them decide if they will insure you for life insurance.

There are several tests performed on your blood to check your health status. Some testing may check for high cholesterol, high protein levels, diabetes, tobacco use, HIV, STD's and illegal drug use, among other things.

If you do not agree with the test results you may request another blood test.

There are life insurance policies with no blood tests available which offer up to $1,000,000 of affordable life insurance with no health exam and no blood tests, if you qualify.

Life Insurance with No Blood Tests?

Can I get life insurance coverage without having to take any blood tests? I have needle phobia.

Yes, it is possible for you to get a life insurance plan without having to take any blood tests.

In fact, some life insurance plans offer life insurance without any health exam, blood or urine tests.

For instance, one highly rated life insurance carrier offers up to $350,000 of term life insurance you can start today, if you qualify. There's no health exams or needles, just some health questions for you to answer. The insurer reviews your answers to the health questions and decides if you qualify for coverage.

Once approved, you can start your life insurance coverage right away, and there's a 30 day money-back guarantee.

Here's how to buy term life insurance no blood tests required.

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.