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.

Why Does Life Insurance Take Blood?

If you need life insurance and are considering the purchase a life insurance policy, you may be curious as to why a life insurance company would require you to take a blood test.

Actually, most life insurance carriers require the applicant to take a medical exam which may also require a blood sample which is sent to a laboratory for testing.

But, what do they test your blood for?

Life insurance approval and pricing is based on your longevity - how long you are expected to live.

If you have a health condition or use illegal drugs you may have a shortened life expectancy, making you a less than desirable risk for life insurance.

A life insurance blood test may check your blood to see if you have high protein levels, diabetes, STD's, HIV/AIDS, legal and/or illegal drugs ion your system, nicotine, or other health issues.

The insurer uses this information from your blood tests to verify your answers on the application as to your health, and to help determine if they should insure you and what to charge for your life insurance policy.

However, there are life insurance policies with no health exams and no blood tests required. You can even get an instant quote, apply online, and start your life insurance policy today, if you qualify.