- 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.
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
Gamma Glutamyltransferase (GGT): Liver disorders
Globulin: Blood abnormalities
To learn more, read the blood facts and statistics from the American Red Cross.
Source: National Heart Lung and Blood InstitutePages: 1 2
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