When applying for term life insurance; What do they look for in the blood and urine test exactly?
I’m just curious, we have a nurse who is coming to draw blood. I’ve been told its for pre-exhisting conditions but what does that mean exactley? -Kala
Tags: Blood Test, Exactley, Insurance, Nurse, Term Life Insurance
December 5th, 2008 at 5:10 am
Evidence of chronic medical conditions or drug use.
December 6th, 2008 at 11:56 am
Probably their primary concern is HIV/AIDS. They might also test for other hereditary and/or bloodborne diseases.
They are looking for conditions that you currently have that they can put in the policy as exclusions. e.g.: If you have HIV and eventually die from it, your life insurance wouldn’t pay out.
December 6th, 2008 at 9:24 pm
Primarily they are looking for any kind of elevation or soemthing that could be a possible disease. Example, an elevation in protien in urine or something like that might show possible liver problems. Or an abnormal amount of white blood cells could mean you have cancer or something…you don’t always know you are sick immediately and if a doctor isn’t specifically looking for something it might be over looked. They would also check for things like HIV/AIDS, drug and alchohal use, etc. Other things might just be lifestyle choices like if you have high cholesteral, or something.
Testing for preexisting conditions basically means they are making sure that you weren’t diagnosed with cancer yesterday and now you are looking to cash in on some insurance. It’s looking for an illness that already exists that may cause you a risk.
Essentially they are looking for anythign that might raise a reason for concern or might increase your risk of dying.
December 7th, 2008 at 4:10 am
Life insurance companies have applicants take a blood test in order to check for any health problems, pre-existing conditions, or diseases that may affect a person’s health or longevity – how long they will live.
Blood tests taken for life insurance policies usually check for HIV/Aids, high cholesterol, illegal drug use, nicotine or continine in the system from smoking or use of tobacco, diabetes, Hepatitis-C, STD’s and any chronic diseases, or those which may cause a health problem.
The following are some things checked when taking your blood:
Glucose
Glucose is a measure of your blood sugar level. Blood sugar levels may vary depending upon the time of your most recent meal. High levels of blood sugar may occur in people with diabetes.
Fructosamine Glycated Albumin (AGP)
Hemoglobin A1C
Fructosamine and glycated albumin tests estimate your average blood sugar levels over a 2-3 week period prior to the blood draw and testing of your blood. Hemoglobin A1C (not performed on all applicants) is a test for estimating your average blood sugar over the preceding 4-6 weeks. Hogher levels may be seen in people with diabetes.
Blood Urea Nitrogen (BUN
Creatine
Blood urea nitrogen and creatine tests are tests of kidney function. High levels of urea nitrogen and creatine may occur in people who have kidney disease, but there are other possible causes, too.
Alkaline Phosphatase
Alkaline phosphatase is an enzyme found primarily in bone and liver. Higher levels of alkaline phosphates may occur in people with certain bone or liver diseases, but higher levels may occur in adolescents and pregnant women.
Total Bilirubin
Bilirubin is produced by the liver, primarily as a breakdown product of red blood cells. Higher levels of bilirubin may occur with certain benign congenital metabolic conditions, but may also be seen in blood disease or liver diseases.
SGOT (AST)
SGPT (ALT)
Gamma Glutamyltransferase (GGT)
SGOT, SGPT, and GGT are all enzymes that are primarily produced in the liver, but may occur in blood cells, muscle tissue, and other tissues. Higher levels of these enzymes in your blood may occur in a variety of liver disorders, as well as other conditions.
Total Protein
Albumin
Globulin
Albumin and globulin are two types of proteins that circulate in the bloodstream. Total protein includes both albumin and globulin. Blood protein levels can be abnormal in a wide variety of conditions.
I hope that helps. Best of luck to you.
December 9th, 2008 at 4:45 pm
Drugs, Sugar, Cholesterol, (2 dozen or so different readings), etc…
December 11th, 2008 at 2:42 am
You may try to google it,here has some direct resource that might be helpful.