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  • Insurance companies perform various medical tests on prospective clients before they agree to life insurance policy terms, in order to minimize their risk. High on the list is a blood test, which reveals quite a bit of useful information about a person's health.

    Glucose

    Glucose measures a person's blood sugar level. High blood sugar levels could be a sign of diabetes.

    Fructosamine Glycated Albumin & Hemoglobin A1C

    These are additional tests to determine blood sugar levels. Fructosamine and glycated albumin tests estimate average blood sugar levels over the preceding two or three weeks. Hemoglobin A1C estimates average blood sugar levels over the preceding four to six weeks.

    Blood Urea Nitrogen (BUN) & Creatine

    These tests help determine kidney function. Elevated levels may occur in people suffering from kidney disease.

    Alkaline Phosphatase

    Elevated levels of alkaline phosphatase, an enzyme found primarily in liver and bone, can be found in people with liver or bone diseases.

    Total Bilirubin, SGOT (AST), SGPT (ALT) & Gamma Glutamyltransferase (GGT)

    High levels of bilirubin, a breakdown product of red blood cells produced by the liver, are commonly found in people with liver or blood diseases, although they also can be found in patients with certain benign congenital metabolic conditions. SGOT (AST), SGPT (ALT) and Gamma Glutamyltransferase (GGT) are enzymes that also are produced in the liver. Elevated levels could be a sign of various liver disorders.

    Total Protein, Albumin & Globulin

    Proteins albumin and globulin circulate in the bloodstream. Abnormal blood protein levels could indicate various medical conditions. High blood protein levels could be a sign of chronic inflammation or infection, and also have been linked to certain bone marrow diseases.

    Source:

    Steven Kobrin: Life Insurance Blood Tests

    Mayo Clinic: High Blood Protein

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