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 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.
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.
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
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
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.