What tests does State Farm require for life insurance?
State Farm typically asks applicants for a standard medical exam that includes a blood draw and a urine sample. These specimens are used to check cholesterol, blood sugar, kidney function, liver enzymes, and to screen for substances such as nicotine or illicit drugs. The exact panels may vary with the policy amount, age, and health history, but the basic blood and urine collection is a common part of the underwriting process.
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Why the results matter
Underwriters compare the lab values to internal risk tables. Favorable numbers can place you in a lower rating class, reducing premiums, while abnormal results may lead to higher rates or additional medical evidence requests. For example, high cholesterol or evidence of smoking can shift the applicant from a preferred to a standard class.
How to prepare for the exam
Schedule the exam with a State Farm‑approved provider, usually a local nurse or mobile phlebotomist. Fast for 8–12 hours if a lipid panel is ordered, and avoid alcohol or tobacco for 24 hours before the urine collection. Bring a list of current medications, as some drugs can influence lab values. Hydration helps ensure a sufficient urine sample.
Where to verify the specific test panel
Before booking, log into the State Farm applicant portal or call the underwriting line to ask which blood and urine markers will be analyzed for your age and coverage amount. Agents can also request a copy of the lab requisition, which details the exact tests. Checking this early avoids surprise questions after the sample is taken.
What to do if results are abnormal
If a lab value falls outside the typical range, State Farm may request a follow‑up test, a doctor's statement, or additional documentation. Providing recent medical records or a physician's explanation can help the underwriter assess risk more accurately and may prevent an automatic rating increase.
Comparison of common test components
| Test Component | What It Checks | Impact on Rating |
|---|---|---|
| Cholesterol (LDL/HDL) | Heart disease risk | High LDL may raise class |
| Blood Glucose (A1C) | Diabetes screening | Elevated levels can increase rates |
| Kidney Function (Creatinine) | Renal health | Abnormal values may require additional review |
| Urine Nicotine Metabolites | Smoking status | Positive result often moves applicant to higher class |