The insurance company might request a number of different tests to check your health. One commonly ordered test is the Complete Blood Count (CBC).
This test looks at the three major cell lines in your blood (red blood cells, white blood cells, and platelets) to see if you have any undetected illnesses or problems.
To get a better idea how this test works and how it might impact your insurability, we’ve put together this guide to help you get the perfect plan.
We are going to show you how CBC is going to impact your life insurance rates. If you don’t think you can get affordable, keep reading.
When Would You Need a Complete Blood Count?
Your doctor might order a CBC for you as part of a regular checkup, even if you’re healthy. This test looks at many different factors and can detect problems early before they’ve started showing other symptoms.
If you’ve ever had a complete blood count, the results will show up in your medical history, which a life insurance company will review when you apply for coverage.
Typically, life insurance companies don’t request a CBC as part of a regular application. If there are old results on your medical records, they’ll review them but if you are relatively healthy, you most likely won’t need to take a new CBC.
However, if you’ve had a health problem in the past, the insurance company may request a new CBC to see how you’re doing. For example, it is common for applicants with a history of anemia to need to take a CBC before qualifying for coverage.
How Do You Take a Complete Blood Count?
A CBC goes beyond the regular blood test that is part of most insurance applications. For a regular insurance application, you usually give your blood to a technician who transports your blood to a lab.
This doesn’t work for a CBC because the major cell lines can degrade during transportation. As a result, if you need to take a CBC for your application, you’ll need to go to your doctor or a lab directly and have your blood drawn there for testing.
Red Blood Cell Tests
Part of the CBC is to look at your red blood cells. These cells carry oxygen through your blood. When the CBC measures your red blood cells, it will look at your iron levels. If your iron levels are too low, you are considered anemic while if your levels are too high, you have a condition known as polycythemia.
The CBC also looks at the volume of red blood cells in your blood, known as your Mean Corpuscular Volume (MCV). If this volume is too high, it could be a sign of a B12 deficiency, drug use, alcohol abuse, or bone marrow disease. On the other hand, if this level is too low, you could be suffering from an iron deficiency or lead toxicity.
White Blood Cell Tests
The CBC also looks at your white blood cells, the cells which fight infection. Like your red blood cells, there is a normal range for your white blood cell count. If your count is too high or too low, it could be a sign of serious health problems.
A low white blood cell count could be a sign of infection, leukemia, stress, steroid use, parasites, allergies, and several other disorders. A high white blood cell count could be a sign of bone marrow disease, a viral infection, malnutrition, and other problems.
Finally, the CBC looks at your platelet levels, the cells which cause clotting in your blood. A low platelet count can be a sign of stress, bone marrow diseases, and abnormal spleen function. A high platelet count can be a sign of a viral infection, an under-functioning spleen, bone marrow disease, and other diseases.
Impact on Insurability
Since a CBC covers so many different conditions, there is no set guideline for how an abnormal CBC rating would impact your insurance rating. It really depends on the underlying problem that is causing your major blood lines to be out of the normal ranges and how each individual life insurance company views that problem. No matter what the problem there will be one or a handful of best companies for life insurance coverage on that condition.
If you know what condition you have, you can review our life insurance guide for that condition because it will give you a more specific idea of what insurance rating you can expect when you apply.
We work with the best life insurance companies across the nation, and we know which companies are going to give you the best life insurance policy rates based on your specific condition. Depending on your health problems, some insurance companies are going to give you expensive rates, while others are going to give you affordable coverage. Finding the perfect company can save you thousands of dollars.
Each insurance company is different in how they manage application and the requirements for getting life insurance. Some companies are going to require you to jump through a hundred different hoops before they give you coverage. Others are going to ask you a thousand different questions.
As independent agents, we can minimize as many of those hoops as possible. We know nobody wants to wait to get life insurance, but it can be a difficult journey to find an affordable plan. If you call a single one of our agents, it’s like calling over 50 companies all at once. You can’t beat the efficiency.
If you want to get access to all the companies we work with and our expert advice, you have two options. You can use the quote form or you can give us a call. Either way you’ll be in touch with our insurance experts.