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Why Does Life Insurance Need Blood and Urine Tests?

April 26, 2017blood Life Insurance tests urine

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Why Does Life Insurance Need Blood and Urine Tests?

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When it comes to applying for life insurance, you will be required to take physical examinations like blood and urine tests. Life insurance blood and urine tests can detect the presence of diseases such as diabetes, cholesterol, or hepatitis. Most life insurance companies will have you examined to determine the premium rate. If your test results do not show any abnormality, then you might get premium rate you have chosen. However, once your test results discover a medical problem, then you might be offered with a higher premium rate.