What Kind of Medical Test is Needed for Life Insurance?

Depending on the underwriting requirements of the life insurance company, the medical tests required could range from nothing for a guarantee issue policy to a complete physical exam with blood and urine samples. The actual tests required will vary from company to company as well. In most cases, these tests are performed by paramedical professionals at the applicant's home or work location.

Blood Test

• Possible blood tests required by life insurance companies include checks for cholesterol, glucose, triglycerides, HIV and the presence of prescription drugs used for treating various diseases.

Urine Test

• Tests on urine samples include ones that look for illicit drug use, glucose and albumin.

Physical Measurements

• The medical examiner takes measurements of height and weight. Then he takes blood pressure and pulse measurements. Finally, the examiner takes measurements of the chest and abdomen.

Physical Exam

• If a heart murmur is present during the pulse reading, the medical examiner records details of the murmur including location, timing and loudness. In addition, the medical examiner examines the entire body for abnormalities. Finally, the examiner determines if the applicant looks unhealthy or looks older than the age stated.

Seniors older than 70

• The medical examiner asks the applicant to walk around and notes any abnormalities. In addition, the applicant will need to remember objects noted at the beginning of the exam and recall them at the end.

EKG

• In some cases, the life insurance company may request an EKG if the applicant is older or requests a large policy.