What Blood Test Is Done For Life Insurance?

  1. 61667 POINTS
    Steve Savant
    Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    A Life Insurance Blood Test evaluates the risk you pose to the life insurance company based on your mortality, which is measured in part with a blood analysis. Here are the chemistry items being evaluated. Glucose, Fructosamine Glycated Albumin (AGP), Blood Urea Nitrogen (BUN), Alkaline Phosphatase, Total Bilirubin, SGOT (AST), SGPT (ALT), Gamma Glutamyl transferase (GGT)Total Protein (Albumin and Globulin.)
     

    Answered on August 14, 2013
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  2. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    In simple terms the life insurance underwriter is looking for signs of the main life style diseases such as cancer, heart disease, stroke, diabetes, drug use, both prescribed and Illegal which includes nicotine. The bottom line of the blood and urine tests are looking for life style habits that shorten a persons life.
    Answered on November 21, 2014
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