What Does Life Insurance Test For? 
When applying for most medically underwritten life policies , an applicant can expect to have a blood profile and urinalysis ordered as well as vital signs taken by a parmedical examiner . The lab tests look at body chemistry . There are lots of chemical names and acronyms such as glucose , albumin , protein , cholesterol , liver enzymes , HIV , GGTP , PSA , BUN , nicotine , drugs and so on . The tests continue to evolve over time and can vary in some cases by insurance company based on age and amount . A life insurance underwriter is looking for abnormal results which , on their own may not mean much but when compared with additional information collected such as medical history , readings for blood pressure , etc. , it helps them assess mortality risk . 