Blood profile is a panel of laboratory tests run on a blood sample to evaluate overall health and identify risk factors for disease. In life insurance underwriting, standard blood profiles often include cholesterol and lipid panels, liver enzymes, kidney function markers such as creatinine and BUN, glucose or A1c, and sometimes markers for infectious diseases. The blood profile helps underwriters detect undiagnosed conditions like diabetes, liver disease, kidney impairment, and hyperlipidemia. It provides objective data that supplements application answers and physician records, enabling more accurate mortality assessment and risk classification.

Underwriters rely on blood profiles ordered through paramed vendors to evaluate lab values against carrier underwriting manuals. Individual results and combined risk patterns are considered when assigning preferred, standard, or rated classes. Advisors prepare clients for blood profiles by recommending fasting, hydration, and avoiding heavy alcohol or high-fat meals immediately before the draw. When abnormal values appear, carriers may request additional tests or physician follow-up. Advisors can use blood-profile results as a teachable moment about preventive care while also exploring alternative carriers or table-shaving programs if needed. Understanding blood profiles helps advisors anticipate underwriting outcomes and explain lab-driven decisions clearly to clients.