I am thinking about getting a life insurance policy, and for the amount I have requested, a person will be sent to my house on behalf of the insurance company to draw blood and take a urine test. On the telephone interview I qualified for a smaller life insurance policy based on my answers only (no medical exam required)
Now, don't get me wrong, I will pass this with flying colors I AM SURE of this. I checked my last labs results from my last doctor's office visit which was last summer, BUT they did not check my cholesterol nor did I have a fasting blood glucose test. I asked for a Vit D to be tested and nope, they wouldn't run that either (doctor said it was not needed, ya know, gave me the RDA of Vit D.) but I was curious. So, I don't know what they will be looking for exactly. I am not thinking I will die of an illness either--(accident could happen though)
I don't know if LIFE insurance people are biased about cholesterol levels and I don't know what mine is. But in the past (pre paleo years) it was considered very good.
Another question they asked me was: Has anyone in your immediate family die of heart disease?That answer is no. However, my mom who is still alive smoked for 50+ years. So, if I had said yes for example would I be not eligible without even be able to say she smoked most of her life? Ya know what I mean.?
I feel like the "Results" of this test will stick with me forever in the life insurance world.