There are a number of affordable No Exam life insurance plans for those who do not want to take a blood test or any health examination.
However, the blood testing helps the life insurance underwriters better understand what health risks might be present for you as an insured.
These blood tests include checking for liver disease, diabetes, high cholesterol, STD's, and AIDS, among others.
The blood testing also helps verify if the applicant has used tobacco or any legal or illegal drugs.
When your risk for life insurance is calculated accurately, rates are assessed more fairly, and the security of your life insurance is strengthened. The blood tests may allow you to get the most accurate life insurance rate available.
However, if you do not want to take a blood test, you have other options available. Learn more about life insurance blood testing.