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What Does A Life Insurance Blood Test Look For in 2016?

by Scott G on December 19, 2012 · 5 comments

What Does A Life Insurance Blood Test Look For?

What Does A Life Insurance Blood Test Look For in 2016?

When you apply for a life insurance policy, the insurance company is going to perform what is called an ABC-Automated Blood Count blood test.– Some labs refer to it as the CBC-Complete Blood Count   I put together a list of what exactly they will be testing for, so you can get the best results.  If you have any questions do not hesitate to leave a comment.

Blood Pressure

Blood pressure is the force applied by circulating blood on the walls of blood vessels.  High blood pressure increases the risk for heart disease, stroke and other medical problems.

Normal Range 120/80


Will vary by company.

Diabetes -A1C

Hemoglobin A1C shows the amount of glucose in your blood over the past 2 or more months.  Physicians use the test to detect, monitor and control diabetes.

Normal Range: Under 6.1


Measures the amount of sugar called glucose in your body.  Mainly used to test for diabetes.  (Insurance companies look more at the A1C reading.)

Normal range: 72-126


Cholesterol is a waxy substance that in the body, and excess cholesterol can stick to the walls of your arteries.  Elevated cholesterol can lead to a heart attack or stroke.

Normal Value: 140-200

Cholesterol- HDL Ratio

Ratio measured by diving total cholesterol by HDL.

Normal Value: 1.5-5.0


High-density lipoprotein, is a risk factor in coronary artery disease.  High cholesterol is a potential risk for heart disease and stroke.

Normal range:25-75


Low-density protein is often referred to as a “bad” form of cholesterol because it can clog arteries.

Normal Range: 70-130


A type of fat that is a fuel for muscle.  Too much can lead to a heart attack or stroke.

Normal Range: Below 150


    Detects prescription and illegal drugs.

    Excessive Alcohol Consumption: CDT, GGT, AST

    CDT/CDT Marker: Carbohydrate deficient transferrin test measures CDT in the blood to help measure patient’s alcohol consumption.  CDT test detects ethanol consumption.  CDT tests how many alcohol drinks have been consumed within the past the past two weeks or so.  If one consumes usually 4 or 5 or more alcoholic beverages a day for 14 or more days, then the numbers will be elevated.

    Gout & Kidney Stones-Uric Acid

    Test used to detect high levels of uric acid in the body.  Elevated levels can detect gout and kidney stones.

    Normal Range: 3.5-7.2

    Heath Questions

    General medical questions


    A virus that inflames the liver.

    Normal Range: Negative


    Human Immunodeficiency Virus tests for HIV the virus that causes AIDS.

    Normal Range: Negative


    The blood urea nitrogen test along with creatinine test checks for kidney disease.

    Normal Value: 6.0-25

    Kidneys Creatinine

    Assesses kidney function along with the BUN test.

    Normal Value: .60-1.30


    Looks at proteins globulins in the blood.  Certain diseased are associated with abnormal globulin levels.

    Normal Value: 2.0-4.6

    Liver and Kidney Health-Albumin

    Albumin is the most abundant protein in the blood.  Low or high albumin levels could cause liver disease, kidney disease or malnourishment.

    Normal Value: 3.4-5.0

    Liver Function Test-Alkaline Phosphatase

    Measures amount of alkaline phosphatase (ALP) enzyme in the blood.  Problems could indicate liver and bone disorders.

    Normal Value: 20-140

    Liver Function Test-ALT

    Measures amount of alanine aminotransferase (ALT) enzyme in the blood.  Checks for liver damage. This Also can identify liver disease from cirrhosis and hepatitis.

    Normal Value: 9.0-51

    Liver Function Test-AST

    Measures amount of aspartate aminotransferase (AST) enzyme in the blood.  Checks for liver damage. Also can identify liver disease from cirrhosis and hepatitis.

    Normal Value: 5.0-40

    Liver Function Test-Bilirubin

    Measures amount of bilirubin in the blood.  Elevated levels can indicate jaundice.

    Normal Value:  .2-1.9

    Liver Function Test-GGT

    Measures amount of gamma-glutamyl transpeptidase (GGT) enzyme in the blood.    Elevated GGT could mean liver damage or alcohol abuse history.

    Normal Value: 18-85

    Liver & Kidneys-Total Serum Protein

    Measures the total amount of protein in the blood.  More specifically Albumin and Globulin.

    Normal Range: 6.0-8.3


    Prostate-specific antigen measures amount of PSA in the blood.  PSA test screens for prostate cancer.

    Normal Range: 0-4.0


    Range: Positive or negative presence of nicotine in urine (The test does account for 2nd hand smoke)

    For tips on passing your blood test, check out this article The Life Insurance Blood Test-What You Need To Know.

    George March 11, 2013 at 12:51 am

    There are many different health conditions that can cause the elevated liver enzymes in your body. Some of these include excessive alcohol use, hepatitis and cirrhosis. There are even certain types of medication that can cause this as well. When applying for life insurance and having elevated liver function, we try to demonstrate to the underwriter what exactly is causing the issue.It’s important that you consult with your doctor to get all your medical records in check. This will aid in the underwriting process.

    Steve August 5, 2013 at 1:22 pm

    The blood test will detect Crestor and Synthroid?

    Scott Anderson August 6, 2013 at 6:22 pm

    Hello Steve,

    I don’t believe the blood test the life insurance companies conduct can detect those particular medications, but they do check you cholesterol levels in addition to everything above in the post. However, if you do not disclose medications that you are taking and you pass away in the first two years, the life insurance can deny the claim because you were not honest. Also, there are a lot of companies now that won’t penalize you for taking Crestor or Synthroid. So it’s always best to be honest on your application! Here is an article on that below.

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