1. 710 POINTS
    Larry Tew
    Larry Tew Financial, Raleigh, NC
    Depending on your age and amount of life insurance you apply for, a medical exam as well as a blood profile and urine specimen may be called for. Insurance companies do not test for everything, but they do look for issues that are likely to affect a person's life expectancy.

    At a minimum, companies will screen for HIV and AIDS, even though these conditions are not necessarily transmitted sexually.
    Answered on April 11, 2013
  2. 4330 POINTS
    Jerry Vanderzanden, CLU, ChFC
    Co-Founder, Coastal Financial Partners Group, California
    The life insurance underwriting process involves application questions, blood and urine lab testing, paramedical exam for vitals and medical history and possibly a review of medical records if the underwriter needs them. The application has medical history questions which include STD but they don't use the lab testing for that. Answering yes is unlikely to have an impact on the underwriting process however.
    Answered on May 21, 2013
  3. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    No, life insurance does not test for STD's, but the insurance application may ask whether you have an STD at the time you fill out the application. Life insurance does test for HIV antibodies, blood counts that may indicate infection, and other labs for conditions that may or may not have been sexually transmitted. But there are not tests done specifically for STD detection.
    Answered on May 24, 2013
  4. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    No, a life insurance policy does not specifically test for STD's. Certain abnormal blood or urine test results could indicate that an STD might be present, but the only way that would be verified is if it was noted on the application or in a phone interview required by the underwriter. It is important to give that information if asked.
    Answered on June 12, 2013
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