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  • Why do I need a medical test for life insurance?
  • February 19, 2014
  • When it comes to the detection of kidney problems, infections, diabetes, drug history and tobacco use, insurance companies rely on a blood test or urinalysis. This test has become a standard feature of all medical examinations, and can also be used to detect evidence of past disease.

    Blood tests

    Complete Blood Count (CBC): Anemia, clotting issues, blood cancer, HIV/AIDS

    Red blood cells: Anemia, dehydration, internal bleeding

    White blood cells: Infection, cancer, disorders of the immune system

    Platelets: Bleeding disorders

    Hemoglobin: Anemia, sickle cell, diabetes

    Hematocrit: Blood or bone marrow disorder, anemia

    Mean Corpuscular Volume or size of red blood cells: Anemia

    Glucose: Blood sugar, diabetes

    Blood Urea Nitrogen (BUN)
    Creatine: Kidney function

    Alkaline Phosphatase: Bone, liver disease, pregnancy

    Bilirubin: Blood and liver disease

    SGOT (AST)
    SGPT (ALT)
    Gamma Glutamyltransferase (GGT): Liver disorders

    Total Protein
    Globulin: Blood abnormalities

    To learn more, read the blood facts and statistics from the American Red Cross.

    Source: National Heart Lung and Blood Institute

    Pages: 1 2

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