Collection process forum

We prioritize your privacy. All information is strictly confidential. Blood, urine, and saliva samples are collected to provide essential data for underwriting purposes, with all testing conducted by certified laboratories. Your results are sent directly to the insurance company.

What is a blood test? Your blood is an invaluable window into your inner health. A blood test gives you a snapshot of your health at any point in time. Before you take your blood test you will told whether there are any special instructions you should follow so that you can be confident of an accurate result. Factors That Can Affect Your Blood Test Results • Diet: What you eat before the test can impact glucose and lipid levels. • Medications: Certain prescriptions or over-the-counter drugs can alter results. • Alcohol: Consumption of alcohol prior to testing can affect liver function tests and blood sugar levels. • Exercise: Physical activity can temporarily raise certain blood markers. • Hydration: Being dehydrated can lead to falsely elevated or decreased results. • Stress: High stress levels can influence hormone levels and other markers.

What is an electrocardiogram (EKG)? An electrocardiogram (EKG) test is a simple, painless procedure that measures electrical signals in your heart. Each time your heart beats, an electrical signal travels through the heart. An EKG can show if your heart is beating at a normal rate and strength. It also helps show the size and position of your heart's chambers. An abnormal EKG can be a sign of heart disease or damage. An EKG test is sometimes included in your paramedical exam for middle-aged and older adults, as they have a higher risk of heart disease than younger people. There are a few reasons why your life insurance may wish to conduct an EKG: • Check the heart’s rhythm • Identify any underlying cause of chest pain or pressure • Determine the effectiveness of heart medications or a pacemaker • Evaluate heart health based on other factors such as high cholesterol, high blood pressure, smoking, or diabetes • Determine the cause of hearth such as shortness of breath, dizziness, or palpitations