The blood test component of a life insurance medical exam provides insurers with valuable health data that helps determine your risk classification. Understanding what’s being tested and what the results mean gives you an advantage in preparing for your exam.
Blood work reveals information about your overall health that may not be apparent from a standard questionnaire.
Key Blood Test Components
Insurers test for cholesterol levels (total, HDL, LDL, and triglycerides), blood glucose and A1C (diabetes indicators), liver enzymes (AST, ALT, GGT — which can indicate liver disease or heavy alcohol use), kidney function (BUN, creatinine), and complete blood count.
PSA levels may be tested for men over a certain age to screen for prostate issues.
Red Flags in Blood Work
Elevated liver enzymes are one of the most common issues, often caused by medications, alcohol consumption, or fatty liver disease. High glucose levels trigger further diabetes evaluation. Abnormal kidney function values may indicate underlying health problems.
Elevated cotinine levels definitively reveal tobacco use, even if you denied it on the application.
Optimizing Your Results
Fast for 8 to 12 hours before your exam for the most accurate results. Stay well-hydrated, as dehydration can concentrate blood values. Avoid alcohol for at least 48 hours and strenuous exercise for 24 hours before the test.
If you’re taking medications that affect blood values, continue taking them as prescribed — sudden changes are more concerning to underwriters than stable, treated conditions.