Does Life Insurance Check For STDs? 
Life insurance applications ask about STD 's but the blood and urine tests do not test for sexually transmitted diseases , per se . If there are abnormal lab values combined with a yes answer about STD 's on the application , the underwriter might order medical records in order to gain more information and find out if the STD is a serious health risk . If not , the presence of an STD will generally not have an effect on life insurance rates . 