Why Does Life Insurance Test Blood? 
Life insurance tests blood so that they can more accurately assess the rate you will be charged , or if you are able to qualify for the life insurance policy at all . Blood tests can tip them off to diseases that the applicant may not be aware they have , such as type 2 diabetes or liver disease . Blood tests also uncover nicotine or drug use that is not admitted on the application . By testing blood , the insurance company helps assure their own solvency , and in turn , protects all who hold policies with them . 