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What Blood Tests Will Be Performed?

What Blood Tests Will Be Performed?

When you apply for life insurance, it is very likely that you will need to have a medical exam performed. During this exam, there are a number of tasks that take place. The first is the health questionnaire. The individual doing the exam will ask you questions about your health and your family's health history.

Once the health history information is taken down, your blood pressure, height, and weight are taken. This information is necessary to make sure you don't have hypertension because that is a risk factor and to ensure that you don't have a high or low body mass index. Being overweight or underweight has health risks as well.

Why an Exam?

The exam is done to identify any health risks. When you have health risks, the insurance company is taking a risk when they are insuring you. They want to know exactly how high that risk is and the degree of it indicates what kind of premium they are going to have to charge in order to offset that risk.

Certain health conditions have to be ruled out because the insurance company doesn't want to insure someone today and then that person pass away next week. Imagine a company receiving one premium payment and then paying a death benefit of $300,000. Although life insurance is able to pay because the money of all of the customers is pooled in together, it can be damaging to receive just one premium from a person and then pass away right after. The health exam is the insurance company's insurance that this won't occur.

Blood Tests

There are a variety of things that are sought out during the blood test. The first is glucose level. Your glucose level is a measure of your blood sugar and is an indicator of diabetes. Diabetes is a risk because of the other conditions that it can cause. It is even possible for your blood sugar level to be approximated for a 2 to 3 week period based upon a simple test.

In addition to the urine test, the blood test is used in conjunction with it to determine your kidney function. There are some signs that can indicate kidney disease, so this has to be ruled out as well. Basically, the test is looking for specific enzymes.

There are also enzymes in relation to bone and liver conditions that are sought out. If those enzymes are not present, then you are fine. Even a high concentration of red blood cells can indicate a liver problem. High or low white and red blood cells are indicators that something is going on within the body. Bilirubin is looked for because it is a byproduct of the red blood cells in your body and must be processed by the liver or you would be jaundiced.

Lastly, blood protein levels are evaluated because an abnormal level can be an indicator of a number of conditions. What those conditions are, it cannot be said. It is not the goal of the blood test to diagnose problems. The goal is to show the insurance company whether or not something is going on. You have to contact the insurance company for your results and then take those results to your doctor to get a diagnosis.

So although not a diagnostic tool, the blood test that is done during the life insurance exam is one that is used to calculate risk. It is an effective way for the insurance company to protect themselves against high risk that could hurt them financially. However, they will work within reason to ensure that individuals can obtain life insurance.

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