Are blood tests required for life insurance?
Generally, no blood tests are required when applying for life insurance cover. However, upon application if there is something that the insurance company is concerned about and they want to further investigate, the insurance company may request blood tests to be completed.
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The reason why the insurance companies request blood tests when assessing life insurance applications is so that they are fully aware of the risk that they are taking on when offering an applicant insurance. It is also to ensure that everything is disclosed to them before your policy is completed. Some people do not realise that this is actually to benefit them so that there are no issues if a claim needs to be made in the future.
Another factor which could result in the insurance company requesting blood tests for life insurance is the amount of cover that you want to insure and your age.