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What Does A Life Insurance Blood Test Look For in 2016?

When you apply for a life insurance policy, the insurance company is going to perform a free parmamed exam. The 20-30 minute exam will typically be done in your home or you can go to their office and consists of a nurse or a licensed phlebotomist taking your height, weight, blood pressure and a small blood and urine sample (and sometimes a resting ekg). The examiner will also bring out your application for you to review and sign.

So What Exactly Is The Life Insurance Company Looking for On the Exam?

I put together a list of what exactly they will be testing for, so you can get the best results in 2016.  If you have any questions do not hesitate to leave a comment.

Blood Pressure

Blood pressure is the force applied by circulating blood on the walls of blood vessels.  High blood pressure increases the risk for heart disease, stroke and other medical problems.


Will vary by company.

Diabetes -A1C

Hemoglobin A1C shows the amount of glucose in your blood over the past 2 or more months.  Physicians use the test to detect, monitor and control diabetes.


Measures the amount of sugar called glucose in your body.  Mainly used to test for diabetes.  (Insurance companies look more at the A1C reading.)


Cholesterol is a waxy substance that in the body, and excess cholesterol can stick to the walls of your arteries.  Elevated cholesterol can lead to a heart attack or stroke.

Cholesterol- HDL Ratio

Ratio measured by diving total cholesterol by HDL.


High-density lipoprotein, is a risk factor in coronary artery disease.  High cholesterol is a potential risk for heart disease and stroke.


Low-density protein is often referred to as a “bad” form of cholesterol because it can clog arteries.


A type of fat that is a fuel for muscle.  Too much can lead to a heart attack or stroke.


Detects prescription and illegal drugs.

Excessive Alcohol Consumption: CDT, GGT, AST

CDT/CDT Marker: Carbohydrate deficient transferrin test measures CDT in the blood to help measure patient’s alcohol consumption.  CDT test detects ethanol consumption.  CDT tests how many alcohol drinks have been consumed within the past the past two weeks or so.  If one consumes usually 4 or 5 or more alcoholic beverages a day for 14 or more days, then the numbers will be elevated.

Gout & Kidney Stones-Uric Acid

Test used to detect high levels of uric acid in the body.  Elevated levels can detect gout and kidney stones.

Heath Questions

General medical questions


A virus that inflames the liver.


Human Immunodeficiency Virus tests for HIV the virus that causes AIDS.


The blood urea nitrogen test along with creatinine test checks for kidney disease.

Kidneys Creatinine

Assesses kidney function along with the BUN test.


Looks at proteins globulins in the blood.  Certain diseased are associated with abnormal globulin levels.

Liver and Kidney Health-Albumin

Albumin is the most abundant protein in the blood.  Low or high albumin levels could cause liver disease, kidney disease or malnourishment.

Liver Function Test-Alkaline Phosphatase

Measures amount of alkaline phosphatase (ALP) enzyme in the blood.  Problems could indicate liver and bone disorders.

Liver Function Test-ALT

Measures amount of alanine aminotransferase (ALT) enzyme in the blood.  Checks for liver damage. This Also can identify liver disease from cirrhosis and hepatitis.

Liver Function Test-AST

Measures amount of aspartate aminotransferase (AST) enzyme in the blood.  Checks for liver damage. Also can identify liver disease from cirrhosis and hepatitis.

Liver Function Test-Bilirubin

Measures amount of bilirubin in the blood.  Elevated levels can indicate jaundice.

Liver Function Test-GGT

Measures amount of gamma-glutamyl transpeptidase (GGT) enzyme in the blood.    Elevated GGT could mean liver damage or alcohol abuse history.

Liver & Kidneys-Total Serum Protein

Measures the total amount of protein in the blood.  More specifically Albumin and Globulin.


Prostate-specific antigen measures amount of PSA in the blood.  PSA test screens for prostate cancer.


Positive or negative presence of nicotine in urine (The test does account for second hand smoke).

Helpful Tips to Pass the Life Insurance Blood Test in 2016

To get the best results on your blood test make sure you follow these tips:

-Try to do your exam in the morning.

-Fast for 8-12 hours before the exam.

-A week before your exam stick to a healthy diet.  Try to avoid or reduce your intake of fatty and salty foods.

-Do not drink alcohol in the days leading up to your exam.

-Avoid strenuous exercise 24 hours before your exam.

The morning of your exam don’t eat any breakfast, have any coffee, or use any form of nicotine.

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