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In applying for underwritten Disability or Life insurance, what tests are done in a routine blood or urine test? Can these be done at any laboratory?

April 26, 2017blood disability laboratory Life Insurance routine Test tests Underwritten urine

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In applying for underwritten Disability or Life insurance, what tests are done in a routine blood or urine test? Can these be done at any laboratory?

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A. When you apply for underwritten life and disability insurance over a certain amount, most insurance companies require blood and/or urine testing. The tests that are performed vary by insurance company. Tests generally include blood sugar testing, liver function testing, lipid testing, Nicotine, drug and HIV screening. These tests cannot be performed at any laboratory, as they are specialized insurance tests. Tests can be scheduled at times and locations convenient to you. Insurance companies perform these tests to help keep experience sound. If your coverage that you applied for is declined based on the results of the tests, you can specify to have the test results sent to a physician of your choice. Your physician can then discuss these results with you.