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Good Neighbor Travel Insurance Blog

Why do life insurance companies require blood test?

November 9, 2011 By : Doug Gulleson

Good Neighbor Insurance, Inc provides term life insurance to our clients in Arizona and throughout the U.S.  To understand more about term life insurance please go to our web page at https://www.gninsurance.com/arizona-term-life-insurance/.

Life insurance companies are only looking at the “major” medical illnesses when one applies for term life insurance.  Thus, instead many medical questions on the life insurance application the blood test makes it quick and simpler.   Plus, a nurse comes out to the location of your choice and you can choose the best time from your busy schedule.

Common blood test life insurance companies run when evaluating an applicant are:

  • HIV
  • Glucose (normal 60 – 100; 100 – 120 may be pre-diabetic; over 120 may be diabetic
  • BUN, creatinine (kidney function tests)
  • Alkaline Phosphatase, Bilirubin, LDH (other liver tests)
  • Cholesterol, HDL, LDL, triglycerides (Lipids)

Tips for preparing for your lab test:

  • Fasting is important for an accurate test.  You should consume nothing (except water) for 8 – 12 hours prior to your blood drawn
  • Consuming water before labs may help the technician locate veins for blood drawn
  • Take it easy the evening before a test; rest is important for an accurate test

Doug Gulleson loves to scuba dive overseas and makes sure he has his US health care and overseas health care, www.gninsurance.com , information with him at all times when he travels   Keep our blog close by you, www.gntravelinsurance.com, for continual updates on the changes with the US health care system.

Doug Gulleson

Search Results

I hate insurance but…

August 7, 2015

Our owner recently said, “I hate insurance” in a training meeting for our staff. He also said “I don’t think I’m unique in feeling that way.” Since we offer travel insurance and overseas medical insurance for those working and living abroad, it got my attention. After he said “I hate insurance”, I furiously wrote down […]

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Dental Benefits are an important part of the total medical insurance benefit package

April 27, 2015

Dental Benefits are an important part of the total medical insurance benefit package.  Here is some good information on dental coverage, the benefits, and options you may want to take.  Call one of our agents here at Good Neighbor Insurance at 480-633-9500 for dental insurance options or go to our dental web page at https://www.gninsurance.com/resources/ask-doug/aca-plans/az/arizona-dental-insurance/.  We are […]

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Tips From a Wise Man (My Father) for the Over 65 International Traveler

June 25, 2010

Some senior citizens travel because they want to teach English in China. Others want to build houses in Mexico. There are a growing number of senior citizens who are on study-abroad programs. And then there are some who just want to take a vacation to an exotic place. When it comes to planning your trip abroad, here are a few things to keep in mind.

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Waivers and Riders – What are those?

September 23, 2009

I’ve been thinking about “waivers” and “riders” and how that might affect a young woman with a busted knee when she tries to buy health insurance. What are her options?

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What customers are saying about why international travel insurance is so important

May 25, 2011

Good Neighbor Insurance Inc, www.gninsurance.com, has been helping clients with their international travel needs since 1997.  Who wants to buy insurance when we feel that nothing will happen to us?  Right!  I personally prefer putting that money I would spend on travel insurance on some Kindle e-books or grabbing a couple movies from iTunes.   Oh, […]

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Medical Evacuation – Medical transportation 101

January 26, 2011

Good Neighbor Insurance Inc, has been involved in providing international health care cover to our clients since 1997.  HTH is one of our top career and short term/travel companies we provide and is one I personally use when I travel overseas on my diving trips.  Not only is HTH an “A” rated company but they have […]

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