What Tests Are Run For Life Insurance? 
Generally , expect no medical tests for under $ 100,000 coverage in most cases . Over that , expect a 15 minute interview with a paramed technician during which they will want both blood and urine samples . For $ 1 million or more , expect a sitting EKG as well or possible an exam by an M.D. . The blood will be mailed to a lab and tested on a comprehensive basis , which will show results of about30 different blood readings . You have to ask for a copy of that report if you want to see it . We always recommend that our customers ask for a copy of that blood lab report to keep . That blood report is looked at very closely by life underwriters because it can often reveal problems or coming problems . And if you do n't like the results of the insurance company 's blood test report , you can always have it repeated easily at the doctor or hospital of your choice , at your cost of about $ 45 . 