Life Insurance Blood Test Smoking
When insurance companies take blood and urine before ok-ing a life insurance policy what are they looking for?
I am taking out a $450,000 life insurance policy and wanted to know why the tests were so intrusive? I don’t smoke or do drugs and I am both HIV and Hepatitis negative. Are they looking for STD’s, blood diseases, what? Just curious…..Thanks.
They essentially are looking for any elevations that could be related to disease or foreign substances (drugs, alcohol tobacco etc).
These tests can reveil things like liver disorders, substance abuse problems, blood born diseases (like cancers, etc), or just plain old unhealthy lifestyle issues (high blood pressure, high cholesterol, etc). All of these factors can increase the risk of death at some point, so they want to make sure they aren’t handing over half a mill. to a dead man walking.
