Why Do I Need A Blood Test For Life Insurance? 
Not all policies need a blood test for life insurance . There are a number of affordable No Exam life insurance policies for those who do not want to take a blood test . That being said , the blood test helps the life insurance underwriters better see what health risks might be present . These include liver disease , diabetes , and high cholesterol , among others . The blood test also helps verify if the applicant has used tobacco or illegal drugs . When risk is calculated accurately , rates are assessed more fairly , and the security of your life insurance is strengthened . 