I recently had my blood work done to get life insurance. When the nurse called to schedule the blood work I thought it was odd she said to fast for only 6 hours before the test. Isn't it normally a 12 hour fast when your cholesterol is tested? I feel like I've been tricked, obviously this works in their favor, they are telling me I'm going to have to pay an extra 25$ a month because my cholesterol came back in the 230 range. Can I demand a re-test? Can I have my normal family doctor do the bloodwork instead of the insurance company. I am also on Wellbutrin XL, and was told that is another reason the premium went up. Why do they do this when I'm getting help for the problem, it seems like as soon as someone hears you have depression your automatically a nut job and want to commit suicide.

I can definitely understand your position.

There may be a couple of options for you to consider:

1. You may want to contact the insurance company, disputing the blood work results, and ask for another blood test. If they won't go along with your request, ask if you can have your doctor do the blood work, and pay for it yourself. If they don't go along with your request, maybe they aren't the type of life insurance company you want to stay with.

2. You could get quotes for life insurance from other insurance agents, or compare free life insurance quotes online, and see if you can get a better deal through another life insurance company. Make sure you get another policy in effect before you cancel any existing life insurance policy.

There are life insurance quote providers online who have access to a network of leading insurers that offer accurate quotes based on your health conditions, and also specialize in placing life insurance for higher risk applicants.

Don't give up. Maybe they should have mentioned that you fast for 12 hours before the bloodwork, but that is over now. Focus on what your existing options are, and find a way to get the best deal, given your health.

Take care and best of luck to you.

Nice information that you have shared with us.