I am applying for life insurance and they are doing a urine test. What are they testing for?
Life insurance companies usually test your urine for nicotine, illegal drugs, protein levels, kidney disease, diabetes, high cholesterol, and other health problems.
One reason they give you the urine test is to determine of you have smoked recently. It doesn't necessarily mean they will deny you life insurance, but you will have to pay a higher premium since you are more likely to die earlier, if you lied on the application and said you don;t smoke, when you have smoked.
According to the American Lung Association, "nicotine disappears from your blood stream
and your urine within 72 hours after smoking your last cigarette."
However, according to Julie Possner, a paramedical examiner with Exam
& Profile Services in Wisconsin, "Cigarettes [nicotine] will show up
many days or even weeks after use in somebody's urine. It will
probably still show up if someone has refrained from smoking for a
short time prior to the exam."
Here's how to learn more about life insurance nicotine test and find out how you may want to prepare for the testing.
In addition, there are term life insurance no exam policies that require no physical exam, no blood test, and no urine test.
Insurance without any Medical Exam,
Just a Few Health Questions.
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