Do They Check Your Blood for Cancer When You Buy Life Insurance?

I was wondering if they check your blood for cancer when you buy life insurance?

Some life insurance carriers may require you to take a blood test when you apply for a policy, depending on your age, health, the amount of life insurance you are requesting to purchase, and the insurance company's underwriting guidelines.

However, most types of cancer cannot be detected in a blood test.

Life insurance blood tests may check for high protein levels, HIV/Aids, Diabetes, STD's, prescription and illegal drugs, such as, cocaine, marijuana, THC, and methamphetamine, among others.

In addition, a blood test may show whether you have nicotine or tobacco in your blood, verifying if you are a smoker, or not.

If you fail a blood test, meaning the insurance company declines to offer you coverage based on the results of your blood testing, you may have the option of asking for the results and disputing the blood test results. Also, you may be able to have another blood test performed.

The cost of a physical exam and/or blood testing is paid for by the insurance company.

There are some insurance companies which may offer life insurance with no exam need, and no blood testing.

Here's how you can learn more about the life insurance blood test and what to expect.