Tips

What does a life insurance blood draw look for?

What does a life insurance blood draw look for?

With the life life insurance blood test, they’ll be looking for high blood pressure, high cholesterol or glucose levels, as well as indications of nicotine, tobacco or drug use. Depending on your results, you may be able to qualify for one of an insurers’ best underwriting rate classes.

What do life insurance companies look for in urine test?

A life insurance urine test detects drugs like amphetamines/methamphetamines, cocaine, opiates, phencyclidine (PCP), barbiturates, benzodiazepines, and methadone. One drug that’s an exception, though, is marijuana. If you or someone you know has a substance abuse disorder, help is available.

What do they look for in a blood test for life insurance?

Life insurance companies conduct blood tests as part of their medical examination process. Blood tests can reveal a lot of information about the life insurance applicant. If blood tests reveal the applicant uses any illegal drugs, they will be declined for life insurance. Urinalysis is also part of the lab workup.

How long does a life insurance medical exam take?

A life insurance medical exam takes about 20 minutes. It includes height, weight, and blood pressure checks, the collection of a blood or urine sample and a request for medical history. The healthier the measurements and lab results, the lower the premiums you’ll pay for coverage.

What should the pH be on a life insurance blood test?

Usually this test is alongside the BUN score, and ideal ranges are 0.7 to a max of 1.4. Urine PH: The urine PH is a direct measure of how acidic your urine is. Ideal ranges are between 4.0 and 8.7. If you are dehydrated when you take your life insurance blood test and urinalysis, this number may be poorly represented.

Are there lab tests for life insurance in Canada?

Advisors will be able to understand the purpose of each lab test. As the only paramedical provider with a lab based in Canada, we are able to draw on over 50 years of experience in the diagnostic industry to offer advisors resources to educate themselves and their clients about insurance medical exams.