The Life Insurance Drug Test
Blood or Urine

The Life Insurance Drug Test- Do they want Blood or Urine?

The good old life insurance drug test.  Aren’t we all just getting excited thinking about it?

Didn’t think so.  Many people want to know if the life insurance blood test requires a blood or urine sample.

Here is your answer. First off, in most situations unless you look at no exam life insurance, if your considered high risk in the eyes of life insurance companies, you will need to complete the medical exam.

The life insurance company is going to want both blood and urine.  It will be collected during your exam after applying for your coverage.  That’s the fast and easy answer.

There is plenty more to cover however so that you can be as prepared as humanly possible to ace your exam and to have nothing to worry about.

However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.

You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.

You can do this easily by using our rate engine directly below.

Let’s first cover the possible reasons you are googling this question, to begin with.  I can only imagine that you are searching for this answer for 1 of 3 reasons.

Reason 1- You are worried about getting poked with a needle or have a big fear of needles.  It’s okay, nothing to be embarrassed about, we hear it all the time, and I personally hate needles as well.

Reason 2- You have been doing some funny business and want to know if it’s going to show up on the blood results.  Again, no worries.  We hear this all the time as well, and we have plenty of options that can help with that.

Reason 3– You have been sneaking the occasional cigarette or some form of nicotine and want to know if you’re going to be able to slide through the underwriting process without getting hit with those inflated smoker rates that you hate hearing about.

We are going to cover all these answers in depth in this guide to try and finally put your mind at ease about the life insurance blood test and get you on your way to acing your exam and achieving the best possible life insurance rates.

Life Insurance Drug Test Blood or Urine

Let’s start with covering the entire life insurance medical exam.

This is something to stop getting so worried about.  People get so upset at the thought of this.  The first thing to understand is that this is not going to be a full physical.

The life insurance company is not sending out a physician to test your reflexes, vision and every other aspect of your physical health.  There is no bend over and cough with this exam.

It’s going to be a registered nurse paid for by the life insurance company.  Yes, the medical exam is free.

How long will it take?

You’re looking at probably 20 minutes tops assuming you don’t spark up a friendly conversation with the nurse during the exam.  It’s only 2 parts.

Part 1- Simple Questionnaire. No trickery or rocket science involved with it.  It’s going to be questions such as

  • Any family history of heart problems, cancer or diabetes
  • Do you currently use nicotine
  • When’s the last time you used nicotine
  • Any Hospitalizations in the past 5 years?

The nicotine question, I’m sure worries many of you but it shouldn’t.  Life insurance for smokers for tobacco users is easy to navigate if you’re working with an independent life insurance agent who can put you with a company that sees you more favorably.

Information regarding your primary physician

Most of the time it will be your primary physician’s name, address or office address and contact information that the life insurance company wants to know.

Also, they will want to know when you last have seen your physician or when you completed your previous medical exam.

Any history of drug or alcohol abuse.

They may word this in a way that asks you how often you consume alcohol and how many drinks you have on each occasion. They don’t have cameras on you, so you don’t have to be worried if you can’t remember exactly how many Bloody Mary’s you had the last night you had a girl’s night out.

Just do your best.

History of Mood Disorders

Any history of any anxiety, depression or bipolar disorders and have you ever required any hospitalizations due to the mental or mood disorder?

You See, life insurance with mood disorders can be tricky and they may request a bit more information if you have a history of any of these.

You may the same issue trying to obtain life insurance with PTSD if you fall into this category as well.  No worries.  We are here to help.

The more information you can give them the better.


The current medications you are taking and what the medicines are for will also be asked during the life insurance medical exam.

It may be a bit more in-depth than this, but you get the picture, and this really would be about 95% of the questions that they ask.

It’s essential to be completely honest during the exam.  If you had a cigarette on a night out with your friends 2 weeks ago and was afraid nicotine will show up in your system.

It will.

It’s more important to just be honest with your agent before you even reach this point because guess what?  We can get you a company that will allow that one cigarette on a night out and have some leniency.

You see.

Some companies allow specific criteria like this, and some don’t.  It’s part of what they are willing to do as part of their marketing techniques.

Overall, it can save you a ton of money though by just being transparent with your life insurance agent from the get-go.

Life Insurance Drug Test Blood or Urine and the medical exam

Part 2 of the Medical Exam

This is the part most of you get all worked up about.  It’s nothing to worry about.  Here’s what to expect.  The nurse will ask you for the following items.

Blood Pressure Reading

The nurse will take your blood pressure during this part of the exam.  You will usually have it taken three times just in case you suffer from white coat syndrome.

After completing three readings of the blood pressure, they will take the average of the three for your final score.  Easy as 1,2,3.  Nothing to worry about.

If this is something that worries you, feel free to check out our other blog that details everything you need to know about Life Insurance with high blood pressure.  Don’t fret over it.  We got your back.

Pulse Check

They will also take your pulse just to see where you land on a typical scale for the average person that’s your age and gender.

The Blood Draw

The blood draw is straight forward. It’s 1 draw, but it’s testing for many different things.

It’s basically doing a full panel work up that will include the following.

Testing the Heart

  • Cholesterol and HDL Ratio
  • Your total cholesterol Usually needs to fall in these ranges
  • Men- 35-65 mg/ DL
  • Women- 35-80 mg/DL

If you know you may go over these guidelines, our guide on life insurance with high cholesterol may be of some help to you.

Triglycerides High levels of triglycerides may increase chances to heart issues down the road.

Diuretic or Blood in the Urine– Blood in the urine can be very scary and typically can represent signs of bladder cancer but can also mean you have infections of the kidney or bladder.

Possibly even kidney stones.

Total Cholesterol, HDL, LDL, HDL Ratio

You’re going to want your overall cholesterol level to be under 200 mg/DL.  These are just for optimal results on the medical test.

Many individuals come in higher than this, so it’s nothing to panic over.

Testing the Kidneys and Bladder

Creatinine Ratio and Protein

High creatinine can indicate a that your kidneys aren’t quite up to par.  It’s nothing to take lightly, and the life insurance companies don’t either.


Microalbumin can indicate if you are in the early stages of kidney disease or other kidney related issues.  Sometimes even renal failure.

Urine Creatinine

Urine Creatinine levels you are going to want in the 85-130 range for normal levels.  This differs slightly based on gender, but that’s an accurate, fair assumption at the levels you want to see.

Here’s a look at some other numbers that will be revealed by your blood draw on your medical exam for life insurance.

  • Creatinine
  • Hemoglobin Screen
  • Urine PH Screen
  • Blood Urea Nitrogen
  • Leukocyte Esterase

Testing the Liver Function

  • Total Zbilrubin
  • Total Protien
  • Albumin
  • Aspartate Aminotransferase (AST)
  • Testing Your Pancreas
  • Urine Glucose, Fructosamine,
  • Hemoglobin
  • A1C Level
  • Examining your Habits
  • HIV
  • Cotinine
  • Drug Test

The Extra Meat, the life insurance companies, are looking for

The extra part that clients often overlook are the items that seem a bit different than the rest during the medical exam.

The life insurance company is also going to ask questions regarding your personal backgrounds such as your criminal history, bankruptcy or credit history and even dangerous hobbies that you take part in.  Living a lifestyle on the edge of danger doesn’t always look the best to the life insurance company. Also, if you possibly work a hazardous job, you may have the chance of an inflated premium.

Life insurance for dangerous occupations use to be treated with what’s known as flat extra charges and depending on the job, it still may.  Make sure to double check this with your agent.

Not with us, however, we understand which companies look at certain dangerous activities in certain ways, and we can certainly help you too.

Is the life insurance exam test for any std’s?

No, life insurance companies are not looking for STD’s on your blood test.  This may show up in the electronic database records or an APS report from a physician, but the blood test itself is not looking for this.

Does the life insurance exam blood test for any cancer?

Again, no.  However, some results that a blood test can reveal may indicate a warning sign that cancer is present or developing.

If you are worried about, always feel free to check out are comprehensive guide on obtaining life insurance as a cancer patient or cancer survivor.  We really poured some heart and effort into the blog to help those of you who may fall into this category.

What can you do to prepare for your medical exam?

Tip #1- Stop Stressing.

Most of the other blogs out there are probably giving you the 411 that you need to sleep 6-8 hours and drink a gallon of water.  While this helps, it’s not the most essential factor in our minds.  Just stop stressing over it, and you will do much better.

Tip #2- Avoid Fatty Foods

Anything can raise your overall numbers on your blood results is not something you should be doing.  The life insurance company must pay for these exams so you’re likely not getting a mulligan just because you call and admit your midnight snack habit.

Tip #3- Avoid Caffeine

This one is important.  You want to keep your blood pressure and overall numbers in the best possible ranges.  Your preferred plus rating may just be a week or two away if you can manage these top tips.

Tip #4- Don’t Over Power Life at the Gym

Just meaning, take a day off the exercise to make sure your heart rate is average and other blood test levels are reasonable for the test.

Tip #5- Listen to what they tell you.

If they call and tell you to fast before the blood test, you obviously need to listen.  They know a thing or two about blood results, so they are merely trying to help you achieve the lowest possible rates when they tell you not to eat for 12 hours before the test.

Tip #6- Drink Water and Be Prepared

Drink some water and have pertinent information ready to go for your examiner.  This will shave the exam time down to 15-20 minutes and make it a breeze by following these easy steps.

See, that wasn’t so bad?

The Medical test for insurance doesn’t have to be so scary, does it?

The life insurance medical exam results- when and what to expect?

Alright, so when can you expect results after you go through this medical exam?

Typically, you as the client get your results reasonably quickly in the form of an online login to view them electronically.

You will be provided a login and a code by the examiner that will have a unique password just for you.  Wait 3-4 days then attempt to login and see if you can view your results.

As far as when you may be approved for the life insurance?

That’s an entirely different story.  It may be just a few such as 3-5 business days if the life insurance company has no further follow up all the way up to 6 weeks.

Please note

Waiting that long usually just means they ordered further records and didn’t necessarily mean the average turnaround time.  The more you prepare, the faster this process will go.

Trust us, we know how it works by now.

What to do if you are declined?

If you are declined life insurance coverage

If you are refused coverage do not panic or give up. That’s the entire point of working with an independent life insurance agency. We have 60 other companies we can try to get an approval with using the same blood work if need be.  It happens, so you need to just hang in there and let us go to work for you.

What other options do you have?

If however you are declined for coverage, and you want to make an immediate decision, you will have 3 options.

  • Take the declined life insurance application and do nothing about it.
  • Let your Life Insurance Agent Get You Approved with Another Carrier or with a guaranteed issue life insurance policy or
  • Ask for reconsideration for your current application and await results from your agent the life insurance company.

Don’t neglect the Guaranteed Issue Companies as Options.  They are good viable options.

If you are struggling to get life insurance using the traditional method, you can always turn to companies like Gerber Life and AIG (American General).  They offer great coverage for guaranteed issue purposes.

All this just means is that you have no medical exam and no medical questions asked in exchange for a 24-month waiting period for your coverage to be in full force.

During those 24 months, you would receive all your money back plus 10% interest earned if something did god forbid happens to you during that time.

So, do we all feel comfortable we know what the life insurance blood test entails?

Hint, it’s blood and urine!  We get that question a lot so wanted to take the time to answer it depth for all our followers and readers.

If you are just getting started purchasing life insurance, you should always weigh all your options carefully and speak to an agency you can trust.

We can help you, and we want to help you.  Don’t hesitate to let Good Life Protection get you on the road to an easy medical exam and a great price for your coverage.

Have we left anything out regarding the life insurance medical exam that you still have questions about?

Make sure to drop a comment below or fill out the instant quote form on the right to see your possible rates.  It’s a free too so might as well take advantage of it.

Till Next Time


Resources: WebMB