Typical Blood Tests Requested
Life‑insurance carriers usually ask for a standard panel that includes a complete blood count (CBC), a comprehensive metabolic profile (CMP), lipid profile, and a hepatitis C screening. Some insurers also require a fasting glucose test to assess diabetes risk.
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Purpose of Each Test
The CBC checks for anemia, infections, and blood disorders that could indicate hidden health issues. The CMP evaluates kidney and liver function, electrolyte balance, and overall organ health. Lipid profiles measure cholesterol and triglycerides, helping underwriters gauge heart‑disease risk. Hepatitis C and fasting glucose screens identify infectious disease or diabetes, both of which can affect mortality risk.
How Results Influence Underwriting
Underwriters compare results against their risk tables. Normal ranges typically lead to standard rates, while elevated cholesterol, abnormal liver enzymes, or high blood sugar may trigger higher premiums, policy exclusions, or a request for additional medical information.
Variations by Insurer and Policy Size
Smaller policies (often under $250,000) may waive the blood draw if the applicant is healthy and meets age criteria. Larger policies or those for higher‑risk applicants often require a more extensive panel, sometimes adding thyroid‑stimulating hormone (TSH) or a urinalysis.
Preparing for the Test
Fasting 8–12 hours before the draw ensures accurate glucose and lipid results. Bring a valid ID, the insurer's lab requisition form, and be ready for a brief physical exam that may accompany the blood draw.