What Does Life Insurance Urinalysis Test For?

What does the life insurance company test you for when you get a urinalysis test for life insurance?

Life insurance companies have you take a urinalysis test to check for any health issues and kidney disorders.

Most life insurance blood and urine tests will test for all of the STD's including but not limited to HIV/AIDS, VD, gonorrhea, syphilis, herpes, etc.

In addition, testing is done for protein levels, cholesterol, diabetes, illegal substances, and prescriptions.

There are some life insurers which offer term life insurance with no exam required. There's no physical, blood or urine tests, just a few health questions. The amount of coverage available may be limited to $500,000 and the premium may be higher than offered by insurers requiring a physical exam.

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