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Essential Guide to Life Insurance Lab Tests

Couple speaking with a business professional looking at a clipboard At Dynacare Insurance Solutions we understand that applicants may feel anxious or worried about the insurance medical exam process. It’s natural for them to have questions about the exam, the tests required, and what to expect. That’s why we’ve developed this concise, easy to understand guide covering some of the key tests. Advisors will be able to understand the purpose of each lab test.

As the only paramedical provider with a lab based in Canada, we are able to draw on over 50 years of experience in the diagnostic industry to offer advisors resources to educate themselves and their clients about insurance medical exams. 

Urinalysis is used to screen for a variety of different diseases. Under this category, tests performed include Glucose, Protein and Microalbumin, Protein/Creatinine ratio, Red Blood Cells (R.B.C.) and White Blood Cells (W.B.C.)

An out-of-range result typically requires a physician recheck before any action should be taken or any conclusions are drawn. It is quite common for healthy individuals to have minor abnormalities in this category of tests.


The presence of Glucose (sugar) in urine is used as a screening test for diabetes. If urine glucose is positive or any results are elevated, individuals should seek advice from their physician or healthcare provider.

Protein and Microalbumin

Protein and/or Microalbumin in the urine are warning signs that may indicate kidney disease. However, it can also occur temporarily due to infection, stress, exercise, or as a result of certain medications.

Protein/Creatinine Ratio

If urine protein is elevated, and Protein/Creatinine ratio is within the expected range, this may indicate a concentrated urine specimen rather than kidney disease.

Red Blood Cells (R.B.C.)

R.B.C. are generally absent or present in small amounts in urine. Increased amounts are seen in kidney disease, kidney stones, urinary tract infections or inflammation. Results can also be significantly impacted by a woman’s menstrual cycle.

White Blood Cells (W.B.C.)

W.B.C. (White Blood Cells) are sometimes present in low amounts in urine. Elevated levels may indicate a urinary tract infection or inflammation.

Kidney Function
Liver Function
Serum Blood Proteins
Blood Sugar
Heart Health

Please click here for information on our CE course: Specimen processing: from collection to lab. Learn more about the crucial role a lab plays in the underwriting process.