Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 21, 2021

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Facts You Should Know

  • There are many life insurance companies that require a blood test when buying traditional term life insurance
  • Blood tests are usually part of a medical exam to assess risk for the life insurance company
  • Many companies offer no-medical-exam life insurance for high-risk customers at a higher price

If you’re shopping for the best term life insurance quotes and you aren’t in the best health, you may want to avoid life insurance companies that require a blood test. Poor results on a life insurance exam could cost you.

To help you save money on your life insurance policy, we’ll break down which policies require life insurance exams, how to pass life insurance medical exams, and more.

Before you learn about the life insurance companies that require a blood test, take advantage of our free quote tool above to get instant rates from top insurers near you.

What is tested for in a life insurance medical exam?

Life insurance medical exams are an important part of the underwriting process for many life insurance companies. In short, these exams are designed to assess the risk you carry as a client.

If your life insurance provider is going to commit to paying your death benefit, they want to be sure that you won’t be paying for a short period of time before they distribute a lump sum of money on your behalf.

So, what do insurers look for in a life insurance blood test and medical exam? Most companies that conduct medical exams are going to look for anything that indicates a chronic disease or cardiovascular risk factor.

Some examples could be:

  • High blood pressure
  • High blood glucose
  • High cholesterol
  • Nicotine
  • Illegal substances
  • Body mass index (obesity)
  • Rapid heart rate

Anything listed above would be considered a risk for a life insurance company. Most of these tests are quick and harmless for the prospective policyholder.

If you’ve recently been to a general physician and they didn’t have anything negative to report, you shouldn’t fear a life insurance blood test.

Could you be denied life insurance because of your blood test results?

Unfortunately, there is a chance you could be denied a traditional life insurance policy if you have poor blood test results. This doesn’t mean you won’t be able to get insurance with another company, however.

Not everyone goes to the doctor as regularly as they should, and this is important to know when understanding life insurance blood tests. Why is a blood test necessary for a life insurance medical exam?

There are two simple reasons why blood tests are a critical part of a medical exam: Some customers aren’t honest and some customers aren’t aware of an underlying health condition that they might have.

How do life insurance companies check medical background? Because insurers want a genuine result, they will often send you to a pre-approved facility or send someone to you to conduct an exam.

Again, these are basic exams that likely take no more than 15 minutes or so. Our life insurance buyer’s guide helps break down expectations for different people when shopping for life insurance.

What happens if you fail a life insurance medical exam?

Life insurance medical exams can be the deciding factor that determines whether or not you’ll be eligible for life insurance. If your exam has results that suggest a major illness or disease, you could be denied coverage.

On the other hand, if your exam results indicate only a minor risk, you could always retake the exam. This can often be avoided with adequate preparation.

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What should you do to prepare for a life insurance blood and urine test? Follow your physician’s suggestions, since tests may vary from company to company.

In most cases, you’ll want to be sure you are well hydrated and eat a nutritious, low-sodium meal the night before your exam. You may need to fast for your exam, so be sure to adhere to time restraints that are provided to you.

If you’re wondering what to do if you’re denied coverage, there are other options for life insurance. Unfortunately, this might mean researching life insurance companies that don’t require a blood test.

If you’re in poor health, have a chronic illness, or have a substance abuse problem, you might want to avoid the life insurance blood test. Thankfully, there are many companies that offer no-exam life insurance policies.

List of the Top 25 Life Insurance Companies in the U.S.
Life Insurance CompanyA.M. Best RatingNo Medical Exam Option
Banner LifeA+Yes
Cincinnati LifeANo
Gerber LifeAYes
John HancockA+Yes
Lincoln FinancialA+Yes
MetLife (Brighthouse)A+No
Midland NationalA+No
Minnesota LifeA+Yes
Mutual of OmahaA+Yes
North American CompanyA+No
Pacific LifeA+Yes
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Above, you’ll find an assortment of strong life insurance companies, many of which have traditional and no-medical-exam life insurance options available. Keep in mind, you may pay more and have a lower death benefit with a no-exam life insurance policy.

Some companies may refer to no-exam life insurance as accelerated underwriting insurance or guaranteed issue life insurance, according to the National Association of Insurance Commissioners.

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Life Insurance Companies That Require a Blood Test: The Bottom Line

If you’re shopping for affordable life insurance, there’s a good chance you’ll have to get a medical exam, which often includes blood tests. If you’re in poor health, it might be better to shop for no-exam life insurance.

By now, you should have a better understanding of the life insurance companies that require a blood test and why these tests are required. Before you go, get instant quotes from top insurance companies near you with our free quote tool below.