Why Do They Take Blood And Urine For Life Insurance?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    This is designed to test for tobacco, drugs, and sexually transmitted disease such as HIV.  A famous basketball player discovered he had HIV through an insurance exam.  By doing blood and urine it helps the company put you in the proper rate class.  If you are clean this can be a benefit and save you money on your premium by helping you qualifying for super-preferred rates.
    Answered on May 24, 2013
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    Peggy MacePRO
    Most of the U.S.
    The life insurance company takes blood and urine tests during the life insurance application process in order to test for a number of things. They are looking for evidence of heart disease as indicated by cholesterol and other lipids, diabetes as evidenced by glucose, liver function, kidney function, blood diseases, tobacco use, drug use and HIV, among others.
    Answered on May 24, 2013
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  3. 530 POINTS
    Ms. Q. Harvelle
    Life Insurance Agent, Brokers Revolution,
    These exams are taken to test for certain illnesses and precursors to illnesses. Many diseases can be discovered through blood samples and urine because the labs test for certain abnormalities in the blood, sugar levels, etc.  In some cases, the lab may find things that your family doctor hasn't detected or even tested you for. Also, as stated before, drug abuse may be uncovereded through these exams. All these factors affect insurance underwriting and rates. The less healthy you are, the higher the risk for the insurance company to put coverage on you.
    Answered on May 24, 2013
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    David RacichPRO
    Fountain Hills, Arizona
    Life insurance requires a determination of an applicant’s medical condition. Collecting samples of blood and urine can test for a battery of health items that may point to a condition that has mortality ramifications. The longer the life expectancy the lower the premiums for the death benefit. Conversely, the shorter the life expectancy, the higher the premium.
      
    Answered on May 24, 2013
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Why do they take blood and urine for life insurance?  Because tests on both blood and urine provide a wealth of information about a person's current health. Just as your regular doctor would do, the labs produced from these two draws provide information on organ function levels, blood sugars, cholesterol and other body chemistries.  Sort of a snapshot of your health on a given day.
    Answered on May 24, 2013
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