Life Insurance Blood Test Results
Life insurance that requires a blood test, is much less expensive than those that do not. Make sure to get a copy of your lab results, so you can personally interpret and understand those measurements, and to make sure you got the best deal. To obtain your blood test results ask your agent the company’s procedure. Blood test results are usually not release until the underwriter has made his or her decision.
| Blood Chemistry | ||
| . | ||
| Test | Measures | Flag, Out of Reference Range |
| . | ||
| Cholesterol | Risk coronary artery disease | risk factor heart attack, stroke |
| HDL Cholesterol | the good cholesterol | |
| Cholesterol Ratio | Predictor coronary artery disease | |
| LDL | the bad cholesterol | |
| LDL/HDL Ratio | Predictor coronary artery disease | |
| Triglycerides | Fats provide major reserve energy for body | risk factor heart attack, stroke |
| SGO (AST) | liver, muscles | liver damage |
| SGTP (ALT) | liver | liver damage |
| GGT (GGTP) | liver | insult to the liver; alcohol abuse; various medications |
| Alkaline Phosphatase | bone, liver, bile duct | liver disease, bone condition |
| Total Bilirubin | liver and gall bladder | cirrhosis, hepatitis, or gallstones |
| Albumin | liver and kidney | Many disorders |
| BUN (Blood Urea Nitrogen) | kidney | impaired kidney function |
| Creatinine | product released muscle tissues | how well kidneys working |
| Total Protein | kidney, liver | multiple conditions |
| Globulin | Immune system | chronic infections, liver disease |
| Serum HIV | AIDS | |
| PSA | prostate | cancer |
| probnp (NP-proBNP) | heart | atrial and ventricular distension |
| Urinalysis | ||
| . | ||
| Specific Gravity | Kidney | |
| Glucose quantitative | diabetes | |
| Gcast MircroExam | ||
| Hcast MicroExam | ||
| RBC Micro Exam | ||
| WBC Micro Exam | ||
| Cotinine (Nicotine) | Tobacco | for cigar, chewing tobacco, electronic cigarettes, pipe users: non tobacco rates are available |
| Cocaine | ||
| Protein | kidney, liver | |
| . | ||
| Height | ||
| Weight | build charts vary considerably by carrier; get a second opinion to make sure you got the best deal | |
| Blood Pressure Systolic 1 | ||
| Blood Pressure Diastolic 1 | ||
| Blood Pressure Systolic 2 | ||
| Blood Pressure Diastolic 2 | ||
| Pulse | ||
If you have been rated up after applying for life insurance due to blood test results, please contact me for a second opinion and for strategies for getting a lower rate.
Sean Drummey
phone: (910) 328-0447
email: spdrummey@gmail.com
last updated: 9/30/2020