Life Insurance Companies and Blood Tests?

How common is it for a life insurance company to require a blood test?

I've never had to take one before but the life insurance company I am dealing with now requires one. Is it normal?


It can be quite normal for a life insurance company to require you to take a blood test in order to qualify for coverage.

Life insurers may want to check your blood for conditions like diabetes and anemia which could affect the underwriting, acceptance, and pricing of your life insurance policy.

Almost every life insurance carrier requests blood work unless the amount of insurance applied for is very small, or the proposed insured person is a juvenile.

In most cases, if you're buying more than $25,000 or so of coverage, all life insurance companies will do this.

However, there are some life insurers which do not require any blood tests. In fact, some life insurers require no physical exam, no blood tests, and no urine test.

Term life insurance no exam required offers you up to $500,000 of term life insurance coverage without any physical, blood, or urine testing - just a few health questions. If you qualify, you can start your life insurance today.

Term life insurance no blood tests allows you the option of qualifying for life insurance coverage in minutes, and there are no blood tests required by the life insurance company.

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