The older you are when you apply for a life insurance policy, the smaller the amount of life insurance applied for that triggers the requirement for a blood test or health examination.
Along with a blood draw, a urine specimen may be a part of the underwriting requirement for your life insurance.
The insurance company pays for any medical exam and testing of your blood and/or urine.
Usually, a life insurance blood test will look for any health problems you may have including diabetes, high cholesterol, high protein levels, STD’s, HIV/AIDS, as well as any legal or illegal drugs in your system including cocaine and methamphetamine.
The blood test also checks for tobacco and nicotine use, including marijuana.
There are some insurance companies that offer no medical exam life insurance plans without any blood test required.
Learn more about life insurance no blood tests and find out today if you qualify to buy life insurance without blood testing.