How Personal Health Affects Life Insurance

Our Medical Exam Process

September is National Life Insurance Awareness Month! Having a life insurance policy that adequately protects you and your family is so important. By scheduling an annual review with your agent and talking through how much insurance you need, you’ll be on a much more secure footing.

Signing up for a new life insurance policy is easy. Some of our policies require that policyholders take a short, 20-minute medical exam at a diagnostic facility near them.

Learn more about what the test covers and what health data is used to help determine your premium.

Whole Health Insurance Medical Exams

Louisiana Farm Bureau insurance offers two types of insurance to our policyholders:

  • Term insurance often has less expensive premiums, but the policy eventually expires.
  • Whole life insurance has many benefits, including a flat premium until you turn 100 and the potential to earn dividends.

When you sign up for a term life insurance plan, we do not require a medical exam. When you sign up for a whole life insurance plan, we require a short medical exam at a diagnostic facility near you.

Testing Metrics

We use body fluid tests (blood and urinalysis) to determine your overall health. The metrics include:

  • Age
  • Weight
  • Blood pressure
  • A1C (blood glucose)
  • Heart rate
  • Body mass index
  • Smoking status
  • Cholesterol
  • HIV status
  • Opiate/THC use
  • Blood glucose
  • Liver and kidney function


Your test results are completely confidential. The laboratory reports them directly to Farm Bureau insurance. If your tests are normal, the testing facility will not contact you, but if they are not normal, you will be contacted by them with the results.

The results of your tests are used to determine your insurability and what premium you’ll be paying. Positive HIV antibody or antigen test results or other significant abnormalities will adversely affect your application for insurance. This means that we may decline your application, increase the premium, or make additional changes to the policy.

Stay Healthy!

It’s always a good idea to take care of yourself, but staying healthy will also help you save on your life insurance premium. In the weeks before your test, make sure that you’re getting adequate rest, drinking water, not smoking, eating a balanced diet, and getting regular exercise. You’ll feel great, but your medical test will be a breeze, too.

Get Started

To learn more about our life insurance policies, consult one of our expert agents in your community. To find your local agent, use our Agent Finder.