The life insurance exam generally collects samples of blood and urine which are tested for HIV, cholesterol and related lipids; liver disorders such as hepatitis; kidney disorders, diabetes, prostate specific antigen (PSA) and immune disorders. The exam also tests for the presence of alcohol, illegal drugs, nicotine, and prescription drugs.
Blood pressure, pulse, weight, and sometimes an EKG are also measured at the time of the life insurance exam.
Co-Founder, Coastal Financial Partners Group, California
When applying for most medically underwritten life policies, an applicant can expect to have a blood profile and urinalysis ordered as well as vital signs taken by a parmedical examiner. The lab tests look at body chemistry. There are lots of chemical names and acronyms such as glucose, albumin, protein, cholesterol, liver enzymes, HIV, GGTP, PSA, BUN, nicotine, drugs and so on. The tests continue to evolve over time and can vary in some cases by insurance company based on age and amount.
A life insurance underwriter is looking for abnormal results which, on their own may not mean much but when compared with additional information collected such as medical history, readings for blood pressure, etc., it helps them assess mortality risk.
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Blood pressure, pulse, weight, and sometimes an EKG are also measured at the time of the life insurance exam.
A life insurance underwriter is looking for abnormal results which, on their own may not mean much but when compared with additional information collected such as medical history, readings for blood pressure, etc., it helps them assess mortality risk.