Life Insurance Applications and Blood Tests

Life insurance companies often require a blood test if the insured applies for a higher face amount or is an older applicant.

The blood test is completed by a health professional who uses a sterile kit and will usually draw two to three tubes of blood, both used for different tests. A urine specimen is also generally collected in addition to the blood test. It’s important the insured prepare himself or herself by doing the following:

1. Allow 10 to 15 minutes for the appointment.

2. Verify if fasting is required.

3. Make sure the authorization slip is signed before a blood sample is taken.

4. Remember that two to three vials (approximately 25 cc) will be drawn.

5. Don’t forget that photo ID is required to confirm identification.

For more details on blood tests and life insurance applications, please contact us at 1-866-899-4849 or visit our Term Instant Quote Life Insurance Page.


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  • LSM Insurance
    April 29, 2013 at 9:51 am

    Hi Tony,

    The best No Medical Plans would really depend on your ability to answer to certain health questions. If you are only issue is High Blood Pressure and its under control with medication – you may qaulify for up to $250,000 Flex Term coverage with Assumption Life. We will send you a separate email now.

  • Tony
    April 28, 2013 at 7:39 pm

    What companies offer Term 20 Life Insurance without a medical. I’.m 57 Male NS and have High Blood Pressure