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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

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

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

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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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International medical insurance indemnity benefit

June 12, 2013

What is an indemnity benefit on international medical insurance policy?  (https://www.gninsurance.com/health/)  Great question!  An indemnity benefit on plans such as our GMMI international medical insurance career plan or GMI International health insurance works as follows: A cash benefit of $400 per day (in addition to medical expenses paid) sent directly to the insured for approved […]

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